# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-26-000177
**Filing Date:** 2026-1
**Character Count:** 5444320
**Document Hash:** 09d20fcf4f69c74efcc219674354c921
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-000177.hdr.sgml**: 20260102

**ACCESSION NUMBER**: 0001104659-26-000177

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20260102

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

**FILED AS OF DATE**: 20260102

**DATE AS OF CHANGE**: 20260102

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 26502035

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002083697

**Verus Securitization Trust 2026-1**

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

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

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

---

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

---

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

[99.1](tm2534371d1_ex99-1.htm) [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2534371d1_ex99-1.htm)

[99.2](tm2534371d1_ex99-2.htm) [AMC Data Compare Report](tm2534371d1_ex99-2.htm)

[99.3](tm2534371d1_ex99-3.htm) [AMC Exception Grades](tm2534371d1_ex99-3.htm)

[99.4](tm2534371d1_ex99-4.htm) [AMC Rating Agency Grades](tm2534371d1_ex99-4.htm)

[99.5](tm2534371d1_ex99-5.htm) [AMC QM-ATR Diligence Report](tm2534371d1_ex99-5.htm)

[99.6](tm2534371d1_ex99-6.htm) [AMC Valuation Report](tm2534371d1_ex99-6.htm)

[99.7](tm2534371d1_ex99-7.htm) [AMC Supplemental Data](tm2534371d1_ex99-7.htm)

[99.8](tm2534371d1_ex99-8.htm) [AMC Tax and Title Report](tm2534371d1_ex99-8.htm)

[99.9](tm2534371d1_ex99-9.htm) [AMC Multi Property Valuation](tm2534371d1_ex99-9.htm)

[99.10](tm2534371d1_ex99-10.htm) [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2534371d1_ex99-10.htm)

[99.11](tm2534371d1_ex99-11.htm) [Canopy Exceptions Report](tm2534371d1_ex99-11.htm)

[99.12](tm2534371d1_ex99-12.htm) [Canopy Rating Agency Grades](tm2534371d1_ex99-12.htm)

[99.13](tm2534371d1_ex99-13.htm) [Canopy Data Compare](tm2534371d1_ex99-13.htm)

[99.14](tm2534371d1_ex99-14.htm) [Canopy ATR QM Report](tm2534371d1_ex99-14.htm)

[99.15](tm2534371d1_ex99-15.htm) [Canopy Valuation Report](tm2534371d1_ex99-15.htm)

[99.16](tm2534371d1_ex99-16.htm) [Clarifii LLC ("Clarifii") Executive Summary](tm2534371d1_ex99-16.htm)

[99.17](tm2534371d1_ex99-17.htm) [Clarifii Rating Agency Grades Detail Report](tm2534371d1_ex99-17.htm)

[99.18](tm2534371d1_ex99-18.htm) [Clarifii Rating Agency Grades Summary Report](tm2534371d1_ex99-18.htm)

[99.19](tm2534371d1_ex99-19.htm) [Clarifii Data Compare Report](tm2534371d1_ex99-19.htm)

[99.20](tm2534371d1_ex99-20.htm) [Clarifii ATR QM Report](tm2534371d1_ex99-20.htm)

[99.21](tm2534371d1_ex99-21.htm) [Clarifii Valuation Report](tm2534371d1_ex99-21.htm)

[99.22](tm2534371d1_ex99-22.htm) [Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")](tm2534371d1_ex99-22.htm)

[99.23](tm2534371d1_ex99-23.htm) [Selene Rating Agency Grades Detail Report](tm2534371d1_ex99-23.htm)

[99.24](tm2534371d1_ex99-24.htm) [Selene Rating Agency Grades Report](tm2534371d1_ex99-24.htm)

[99.25](tm2534371d1_ex99-25.htm) [Selene Data Compare Report](tm2534371d1_ex99-25.htm)

[99.26](tm2534371d1_ex99-26.htm) [Selene ATR QM Detail](tm2534371d1_ex99-26.htm)

[99.27](tm2534371d1_ex99-27.htm) [Selene Valuations Report](tm2534371d1_ex99-27.htm)

[99.28](tm2534371d1_ex99-28.htm) [Digital Risk, LLC ("Digital Risk") Executive Summary](tm2534371d1_ex99-28.htm)

[99.29](tm2534371d1_ex99-29.htm) [Digital Risk Exception Report](tm2534371d1_ex99-29.htm)

[99.30](tm2534371d1_ex99-30.htm) [Digital Risk Rating Agency Grades](tm2534371d1_ex99-30.htm)

[99.31](tm2534371d1_ex99-31.htm) [Digital Risk Data Integrity Report](tm2534371d1_ex99-31.htm)

[99.32](tm2534371d1_ex99-32.htm) [Digital Risk QM Status Report](tm2534371d1_ex99-32.htm)

[99.33](tm2534371d1_ex99-33.htm) [Digital Risk Valuation Report](tm2534371d1_ex99-33.htm)

[99.34](tm2534371d1_ex99-34.htm) [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2534371d1_ex99-34.htm)

[99.35](tm2534371d1_ex99-35.htm) [Clayton Conditions Report](tm2534371d1_ex99-35.htm)

[99.36](tm2534371d1_ex99-36.htm) [Clayton Loan Level Tape Compare Upload](tm2534371d1_ex99-36.htm)

[99.37](tm2534371d1_ex99-37.htm) [Clayton Non ATR QM Upload](tm2534371d1_ex99-37.htm)

[99.38](tm2534371d1_ex99-38.htm) [Clayton Rating Agency Grades Report](tm2534371d1_ex99-38.htm)

[99.39](tm2534371d1_ex99-39.htm) [Clayton Valuations Summary](tm2534371d1_ex99-39.htm)

**SIGNATURE**

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

Date: January 2, 2026

---

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

---

## Exhibit 99.1

**EXHIBIT 99.1**

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

![](tm2534371d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from June 2025 through November 2025 on Loans with origination dates from October 2023 through November 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 four hundred seventy-two (472) Loans totaling an aggregate original principal balance of approximately $241.033 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("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;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original HLTV |  |

---

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

1 \| P a g e

![](tm2534371d1_ex99-1img001.jpg)

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

Of specific note, there were one hundred eighty-nine (189) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, four (4) Loans utilized twenty-four (24) or more months of bank statements, sixty-seven (67) Loans utilized twelve (12) through twenty-three (23) months of bank statements, five (5) Loans utilized twenty-four (24) or more months of P&L income, and fifty-three (53) Loans utilized twelve (12) months of P&L income. There were six (6) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with seventeen (17) Loans only having 12 months of income verification.

There were two hundred eighty-three (283) Loans that were considered Business Purpose/Property Focused Investor Loans. Two hundred twenty-three (223) Loans were Property Focused Loans with DSCR calculation. The remaining sixty (60) Loans were considered Property Focused Loans with no DSCR calculation.

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

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

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

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

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

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

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

2 \| P a g e

![](tm2534371d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

▪ 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).

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![](tm2534371d1_ex99-1img001.jpg)

▪ 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.

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the four hundred seventy-two (472) Loans reviewed under the applicable grading criteria, all four hundred seventy-two (472) Loans or (100%) received an overall "A" or "B" grade.

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---

| | | |
|:---|:---|:---|
| **Kroll & Fitch Overall Loan Grades** | **Kroll & Fitch Overall Loan Grades** | **Kroll & Fitch Overall Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 319 | 67.58% |
| B | 153 | 32.42% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **472** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred eighty-nine (189) Loans reviewed for compliance under the applicable grading criteria, all one hundred eighty-nine (189) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| **Compliance Loan Grades** | **Compliance Loan Grades** | **Compliance Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 137 | 72.49% |
| B | 52 | 27.51% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **189** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

All four hundred seventy-two (472) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| **Credit Loan Grades** | **Credit Loan Grades** | **Credit Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 358 | 75.85% |
| B | 114 | 24.15% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **472** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All four hundred seventy-two (472) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| **Kroll & Fitch Property Loan Grades** | **Kroll & Fitch Property Loan Grades** | **Kroll & Fitch Property Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 470 | 99.58% |
| B | 2 | 0.42% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **472** | **100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***81*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**81** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;93 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Collateral | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***146*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**146** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**229** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the four hundred seventy-two (472) Loans reviewed, four hundred fifty-one (451) unique Loans had one thousand five hundred two (1,502) different tape discrepancies across thirty-five (35) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Cash From Borrower and Cash To Borrower where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;25 | &nbsp;&nbsp;377 | &nbsp;&nbsp;6.63% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;470 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;38 | &nbsp;&nbsp;368 | &nbsp;&nbsp;10.33% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;460 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;17 | &nbsp;&nbsp;310 | &nbsp;&nbsp;5.48% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;133 | &nbsp;&nbsp;472 | &nbsp;&nbsp;28.18% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;273 | &nbsp;&nbsp;0.73% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;220 | &nbsp;&nbsp;365 | &nbsp;&nbsp;60.27% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;138 | &nbsp;&nbsp;167 | &nbsp;&nbsp;82.63% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;7 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;32 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;32 | &nbsp;&nbsp;18.75% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;11 | &nbsp;&nbsp;241 | &nbsp;&nbsp;4.56% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;115 | &nbsp;&nbsp;14.78% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;32 | &nbsp;&nbsp;273 | &nbsp;&nbsp;11.72% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;7 | &nbsp;&nbsp;463 | &nbsp;&nbsp;1.51% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;4 | &nbsp;&nbsp;72 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;71 | &nbsp;&nbsp;206 | &nbsp;&nbsp;34.47% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;466 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;34 | &nbsp;&nbsp;104 | &nbsp;&nbsp;32.69% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;36 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;87 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;465 | &nbsp;&nbsp;4.30% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;347 | &nbsp;&nbsp;359 | &nbsp;&nbsp;96.66% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;10 | &nbsp;&nbsp;472 | &nbsp;&nbsp;2.12% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;16 | &nbsp;&nbsp;472 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;466 | &nbsp;&nbsp;3.86% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;469 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;6 | &nbsp;&nbsp;199 | &nbsp;&nbsp;3.02% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;29 | &nbsp;&nbsp;359 | &nbsp;&nbsp;8.08% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;118 | &nbsp;&nbsp;461 | &nbsp;&nbsp;25.60% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;176 | &nbsp;&nbsp;2.27% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;52 | &nbsp;&nbsp;460 | &nbsp;&nbsp;11.30% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;472 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;35 | &nbsp;&nbsp;472 | &nbsp;&nbsp;7.42% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;46 | &nbsp;&nbsp;74 | &nbsp;&nbsp;62.16% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;9 | &nbsp;&nbsp;472 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;472 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1502** | &nbsp;&nbsp;**13197** | &nbsp;&nbsp;**11.38%** | &nbsp;&nbsp;**472** |

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**SitusAMC TITLE REVIEW SUMMARY (44 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on forty-four (44) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

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

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

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

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

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;465 | &nbsp;&nbsp;98.52% | &nbsp;&nbsp;$235549305.00 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;$5483425.00 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241032730.00** | &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;463 | &nbsp;&nbsp;98.09% | &nbsp;&nbsp;$239356830.00 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;$1675900.00 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241032730.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;186 | &nbsp;&nbsp;39.41% | &nbsp;&nbsp;$86701718.00 | &nbsp;&nbsp;35.97% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;34 | &nbsp;&nbsp;7.20% | &nbsp;&nbsp;$18613386.00 | &nbsp;&nbsp;7.72% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;220 | &nbsp;&nbsp;46.61% | &nbsp;&nbsp;$114557176.00 | &nbsp;&nbsp;47.53% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.78% | &nbsp;&nbsp;$21160450.00 | &nbsp;&nbsp;8.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241032730.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$1097000.00 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$555000.00 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;462 | &nbsp;&nbsp;97.88% | &nbsp;&nbsp;$235893230.00 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$3487500.00 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241032730.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;247 | &nbsp;&nbsp;52.33% | &nbsp;&nbsp;$130048944.00 | &nbsp;&nbsp;53.95% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.14% | &nbsp;&nbsp;$11149850.00 | &nbsp;&nbsp;4.63% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.97% | &nbsp;&nbsp;$8342710.00 | &nbsp;&nbsp;3.46% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$2093730.00 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;118 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$61873369.00 | &nbsp;&nbsp;25.67% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;$2548900.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;27 | &nbsp;&nbsp;5.72% | &nbsp;&nbsp;$11377177.00 | &nbsp;&nbsp;4.72% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.12% | &nbsp;&nbsp;$5888500.00 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$4627950.00 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$2565000.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$516600.00 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241032730.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;135 | &nbsp;&nbsp;28.60% | &nbsp;&nbsp;$100972068.00 | &nbsp;&nbsp;41.89% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;329 | &nbsp;&nbsp;69.70% | &nbsp;&nbsp;$133908662.00 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$6152000.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**472** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241032730.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC DATA C** **OMPARE REPORT**

![](tm2534371d1_ex99-2img001.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 833590 | xxxxxx | Cash To Borrower | 70930.85 | 70113.56 | Verified | Field value reflects source document |
| xxxxxx | 833590 | xxxxxx | Original HLTV | 0 | 31.13879 | Verified | Field value reflects source document |
| xxxxxx | 838307 | xxxxxx | Cash From Borrower | 0.00 | 45123.27 | Verified | Field value reflects source document |
| xxxxxx | 838307 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.64 | 48.06468 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838307 | xxxxxx | Original HLTV | 0 | 95 | Verified | Field value reflects source document |
| xxxxxx | 840209 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840209 | xxxxxx | Cash From Borrower | 0.00 | 50245.73 | Verified | Field value reflects source document |
| xxxxxx | 840209 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840454 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840454 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840454 | xxxxxx | Cash To Borrower | 0.00 | 25017.08 | Verified | Field value reflects source document |
| xxxxxx | 840454 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841015 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841015 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841015 | xxxxxx | Cash To Borrower | 19599.82 | 129908.86 | Verified | Field value reflects source document |
| xxxxxx | 841015 | xxxxxx | Original HLTV | 0 | 41.50943 | Verified | Field value reflects source document |
| xxxxxx | 841669 | xxxxxx | Cash From Borrower | 59240.48 | 60790.48 | Verified | Updated as per Closing statement Details |
| xxxxxx | 841816 | xxxxxx | Cash From Borrower | 4876.91 | 5426.91 | Verified | Field value reflects source document |
| xxxxxx | 841906 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841906 | xxxxxx | Cash To Borrower | 128260.61 | 122519.39 | Verified | Field value reflects source document |
| xxxxxx | 841906 | xxxxxx | Original HLTV | 0 | 46.95929 | Verified | Field value reflects source document |
| xxxxxx | 842307 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842341 | xxxxxx | Cash From Borrower | 0.00 | 167878.25 | Verified | Field value reflects source document |
| xxxxxx | 842341 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842434 | xxxxxx | Cash To Borrower | 98000.00 | 56191.92 | Verified | Field value reflects source document |
| xxxxxx | 842434 | xxxxxx | Original HLTV | 0 | 57.31667 | Verified | Field value reflects source document |
| xxxxxx | 842474 | xxxxxx | Amortization Term | 240 | 360 | Verified | Total amortization including interest only period |
| xxxxxx | 842513 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 842513 | xxxxxx | Cash From Borrower | 0.00 | 388127.99 | Verified | Field value reflects source document |
| xxxxxx | 842513 | xxxxxx | Original HLTV | 0 | 63.78616 | Verified | Field value reflects source document |
| xxxxxx | 842538 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Per corrected Note |
| xxxxxx | 842538 | xxxxxx | Cash To Borrower | 0.00 | 1626.28 | Verified | Field value reflects source document |
| xxxxxx | 842538 | xxxxxx | Product Description | Investor Solutions DSCR s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 842538 | xxxxxx | Original HLTV | 0 | 36.27907 | Verified | Field value reflects source document |
| xxxxxx | 842551 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842551 | xxxxxx | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 842551 | xxxxxx | Cash From Borrower | 0.00 | 188621.89 | Verified | Field value reflects source document |
| xxxxxx | 842551 | xxxxxx | Original HLTV | 0 | 74 | Verified | Field value reflects source document |
| xxxxxx | 842575 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842575 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842575 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.112 | 28.86823 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842577 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842577 | xxxxxx | Cash From Borrower | 0.00 | 486102.01 | Verified | Field value reflects source document |
| xxxxxx | 842577 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842701 | xxxxxx | Cash To Borrower | 221025.61 | 213336.82 | Verified | Field value reflects source document |
| xxxxxx | 842701 | xxxxxx | Original HLTV | 0 | 68.52746 | Verified | Field value reflects source document |
| xxxxxx | 842793 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 842793 | xxxxxx | Cash To Borrower | 155343.00 | 140843.59 | Verified | Field value reflects source document |
| xxxxxx | 842793 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842794 | xxxxxx | Cash To Borrower | 1000000.00 | 979798.32 | Verified | Field value reflects source document |
| xxxxxx | 842794 | xxxxxx | Original HLTV | 0 | 55.55556 | Verified | Field value reflects source document |
| xxxxxx | 842915 | xxxxxx | Cash From Borrower | 0.00 | 115913.06 | Verified | Field value reflects source document |
| xxxxxx | 842915 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842960 | xxxxxx | Cash To Borrower | 201969.44 | 229016.31 | Verified | Field value reflects source document |
| xxxxxx | 842960 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842961 | xxxxxx | Cash To Borrower | 167321.05 | 209387.64 | Verified | Field value reflects source document |
| xxxxxx | 842961 | xxxxxx | Original HLTV | 0 | 64 | Verified | Field value reflects source document |
| xxxxxx | 843035 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843035 | xxxxxx | Cash To Borrower | 60958.79 | 59554.45 | Verified | Field value reflects source document |
| xxxxxx | 843035 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843041 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843041 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843041 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843041 | xxxxxx | Cash From Borrower | 0.00 | 117609.95 | Verified | Field value reflects source document |
| xxxxxx | 843041 | xxxxxx | Original HLTV | 0 | 58.79125 | Verified | Field value reflects source document |
| xxxxxx | 843140 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843140 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 843140 | xxxxxx | Cash To Borrower | 791756.20 | 962841.93 | Verified | Field value reflects source document |
| xxxxxx | 843140 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.51 | 19.31177 | Verified | Within tolerance. |
| xxxxxx | 843140 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843146 | xxxxxx | Cash To Borrower | 130046.89 | 101544.00 | Verified | Field value reflects source document |
| xxxxxx | 843220 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843315 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843315 | xxxxxx | Subject Debt Service Coverage Ratio | 0.91 | 0.92 | Verified | Due to rounding. |
| xxxxxx | 843411 | xxxxxx | Cash To Borrower | 368818.47 | 347407.29 | Verified | Field value reflects source document |
| xxxxxx | 843411 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843613 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843613 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843613 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843613 | xxxxxx | Cash From Borrower | 0.00 | 96640.80 | Verified | Field value reflects source document |
| xxxxxx | 843613 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843642 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843642 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843642 | xxxxxx | Cash From Borrower | 0.00 | 134630.50 | Verified | Field value reflects source document |
| xxxxxx | 843642 | xxxxxx | Original HLTV | 0 | 62.43541 | Verified | Field value reflects source document |
| xxxxxx | 843742 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843742 | xxxxxx | Cash From Borrower | 0.00 | 112326.28 | Verified | Field value reflects source document |
| xxxxxx | 843742 | xxxxxx | Original HLTV | 0 | 67 | Verified | Field value reflects source document |
| xxxxxx | 843775 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843775 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843775 | xxxxxx | Cash To Borrower | 319606.00 | 315544.88 | Verified | Field value reflects source document |
| xxxxxx | 843775 | xxxxxx | Original HLTV | 0 | 69.27835 | Verified | Field value reflects source document |
| xxxxxx | 843812 | xxxxxx | Representative FICO | 673 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843812 | xxxxxx | Cash To Borrower | 59803.33 | 46942.21 | Verified | Field value reflects source document |
| xxxxxx | 843812 | xxxxxx | Original HLTV | 0 | 66.98727 | Verified | Field value reflects source document |
| xxxxxx | 843950 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843950 | xxxxxx | Representative FICO | 743 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843950 | xxxxxx | Prepayment Penalty Period (months) | 12 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 843950 | xxxxxx | Cash From Borrower | 0.00 | 67426.56 | Verified | Field value reflects source document |
| xxxxxx | 843950 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843980 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843980 | xxxxxx | Representative FICO | 783 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843980 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 843980 | xxxxxx | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 843980 | xxxxxx | Cash From Borrower | 176161.59 | 182711.59 | Verified | Field value reflects source document |
| xxxxxx | 843999 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843999 | xxxxxx | Cash From Borrower | 0.00 | 195487.13 | Verified | Field value reflects source document |
| xxxxxx | 843999 | xxxxxx | Original HLTV | 0 | 69.02655 | Verified | Field value reflects source document |
| xxxxxx | 844010 | xxxxxx | Cash To Borrower | 123500.00 | 115162.54 | Verified | Field value reflects source document |
| xxxxxx | 844010 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844022 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844022 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844022 | xxxxxx | Cash To Borrower | 65648.88 | 32751.78 | Verified | Field value reflects source document |
| xxxxxx | 844022 | xxxxxx | Original CLTV | 64.58763 | 58.14433 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844022 | xxxxxx | Original LTV | 64.58763 | 58.14433 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844022 | xxxxxx | Original HLTV | 0 | 58.14433 | Verified | Field value reflects source document |
| xxxxxx | 844085 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844085 | xxxxxx | Coborrower First Name |  | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 844085 | xxxxxx | Coborrower Last Name |  | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 844085 | xxxxxx | Representative FICO | 760 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844102 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844102 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844102 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844102 | xxxxxx | Cash To Borrower | 99999.82 | 130060.63 | Verified | Field value reflects source document |
| xxxxxx | 844102 | xxxxxx | Original CLTV | 28.42767 | 37.73585 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844102 | xxxxxx | Original LTV | 28.42767 | 37.73585 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844102 | xxxxxx | Original HLTV | 0 | 37.73585 | Verified | Field value reflects source document |
| xxxxxx | 844106 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844106 | xxxxxx | Cash From Borrower | 0.00 | 159221.66 | Verified | Field value reflects source document |
| xxxxxx | 844106 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844167 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844167 | xxxxxx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 844167 | xxxxxx | Original Interest Rate | 7.125 | 7.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 844167 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 844167 | xxxxxx | Cash To Borrower | 121114.00 | 118772.05 | Verified | Field value reflects source document |
| xxxxxx | 844167 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 844167 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844177 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844177 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844177 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844177 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844177 | xxxxxx | Cash To Borrower | 80000.00 | 69124.16 | Verified | Field value reflects source document |
| xxxxxx | 844177 | xxxxxx | Original CLTV | 66.31579 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844177 | xxxxxx | Original LTV | 66.31579 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844177 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844219 | xxxxxx | Cash To Borrower | 40000.00 | 19252.87 | Verified | Field value reflects source document |
| xxxxxx | 844219 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844221 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844221 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 844221 | xxxxxx | Cash From Borrower | 0.00 | 809.20 | Verified | Field value reflects source document |
| xxxxxx | 844221 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844232 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844232 | xxxxxx | Cash From Borrower | 0.00 | 211939.77 | Verified | Field value reflects source document |
| xxxxxx | 844232 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.809 | 38.34042 | Verified | 1008 approved with 34.546%. |
| xxxxxx | 844232 | xxxxxx | Original HLTV | 0 | 72.6 | Verified | Field value reflects source document |
| xxxxxx | 844246 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844246 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 844246 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 844246 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844246 | xxxxxx | Cash To Borrower | 108533.00 | 106838.20 | Verified | Field value reflects source document |
| xxxxxx | 844246 | xxxxxx | Original HLTV | 0 | 59.27835 | Verified | Field value reflects source document |
| xxxxxx | 844271 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844271 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844271 | xxxxxx | Cash From Borrower | 0.00 | 318752.29 | Verified | Field value reflects source document |
| xxxxxx | 844271 | xxxxxx | Original HLTV | 0 | 60.52632 | Verified | Field value reflects source document |
| xxxxxx | 844292 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844292 | xxxxxx | Cash To Borrower | 48087.75 | 20494.08 | Verified | Field value reflects source document |
| xxxxxx | 844292 | xxxxxx | Original HLTV | 0 | 61.22449 | Verified | Field value reflects source document |
| xxxxxx | 844302 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844302 | xxxxxx | Cash To Borrower | 308000.00 | 108769.75 | Verified | Field value reflects source document |
| xxxxxx | 844302 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844303 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844303 | xxxxxx | Cash To Borrower | 267257.00 | 110903.49 | Verified | Field value reflects source document |
| xxxxxx | 844303 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844337 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844337 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844337 | xxxxxx | Cash To Borrower | 250000.00 | 233295.18 | Verified | Field value reflects source document |
| xxxxxx | 844337 | xxxxxx | Original HLTV | 0 | 64.10256 | Verified | Field value reflects source document |
| xxxxxx | 844420 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844420 | xxxxxx | Cash To Borrower | 134542.51 | 172324.13 | Verified | Field value reflects source document |
| xxxxxx | 844420 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844443 | xxxxxx | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 844443 | xxxxxx | Cash From Borrower | 8656.93 | 9206.93 | Verified | Added POC |
| xxxxxx | 844445 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844445 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844445 | xxxxxx | Cash To Borrower | 223578.74 | 229624.35 | Verified | Field value reflects source document |
| xxxxxx | 844445 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844446 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844446 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844446 | xxxxxx | Cash To Borrower | 245479.99 | 243792.06 | Verified | Field value reflects source document |
| xxxxxx | 844446 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844449 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844449 | xxxxxx | Cash To Borrower | 550000.00 | 538095.41 | Verified | Field value reflects source document |
| xxxxxx | 844449 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.02 | 30.14086 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844484 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844484 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844508 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844508 | xxxxxx | Cash From Borrower | 0.00 | 211196.68 | Verified | Field value reflects source document |
| xxxxxx | 844508 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.06 | 40.01449 | Verified | Audit income |
| xxxxxx | 844508 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 844522 | xxxxxx | Cash From Borrower | 0.00 | 221582.70 | Verified | Field value reflects source document |
| xxxxxx | 844522 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844529 | xxxxxx | Cash From Borrower | 0.00 | 169480.15 | Verified | Field value reflects source document |
| xxxxxx | 844529 | xxxxxx | Original HLTV | 0 | 48.31579 | Verified | Field value reflects source document |
| xxxxxx | 844557 | xxxxxx | Cash To Borrower | 50000.00 | 49767.13 | Verified | Field value reflects source document |
| xxxxxx | 844557 | xxxxxx | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 844557 | xxxxxx | Original HLTV | 0 | 57.77818 | Verified | Field value reflects source document |
| xxxxxx | 844611 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844611 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844611 | xxxxxx | Cash To Borrower | 150000.00 | 147765.28 | Verified | Field value reflects source document |
| xxxxxx | 844611 | xxxxxx | Original HLTV | 0 | 61.11111 | Verified | Field value reflects source document |
| xxxxxx | 844631 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844631 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844631 | xxxxxx | Cash From Borrower | 0.00 | 348905.55 | Verified | Field value reflects source document |
| xxxxxx | 844631 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844649 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844649 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844649 | xxxxxx | Cash From Borrower | 0.00 | 84947.65 | Verified | Field value reflects source document |
| xxxxxx | 844649 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844669 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844669 | xxxxxx | Cash To Borrower | 10426.00 | 4672.85 | Verified | Field value reflects source document |
| xxxxxx | 844669 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844669 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.3878 | 35.8357 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844685 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844685 | xxxxxx | Representative FICO | 769 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844685 | xxxxxx | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 844685 | xxxxxx | Cash From Borrower | 0.00 | 154506.67 | Verified | Field value reflects source document |
| xxxxxx | 844685 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844808 | xxxxxx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 844808 | xxxxxx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844808 | xxxxxx | Original Interest Rate | 7.875 | 7.5 | Verified | Field Value reflects the Note value |
| xxxxxx | 844808 | xxxxxx | Cash From Borrower | 0.00 | 177160.14 | Verified | Field value reflects source document |
| xxxxxx | 844808 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844826 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844826 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844826 | xxxxxx | Cash From Borrower | 0.00 | 255927.10 | Verified | Field value reflects source document |
| xxxxxx | 844826 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844827 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 844827 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844827 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844827 | xxxxxx | Cash To Borrower | 1088581.00 | 1089206.64 | Verified | Field value reflects source document |
| xxxxxx | 844827 | xxxxxx | Original HLTV | 0 | 64.99425 | Verified | Field value reflects source document |
| xxxxxx | 844836 | xxxxxx | Cash From Borrower | 0.00 | 454823.38 | Verified | Field value reflects source document |
| xxxxxx | 844836 | xxxxxx | Original HLTV | 0 | 63.02521 | Verified | Field value reflects source document |
| xxxxxx | 844857 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844857 | xxxxxx | Cash To Borrower | 5911.00 | 31706.55 | Verified | Field value reflects source document |
| xxxxxx | 844857 | xxxxxx | Original HLTV | 0 | 50.67669 | Verified | Field value reflects source document |
| xxxxxx | 844901 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844901 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844901 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844901 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844901 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 844901 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 844901 | xxxxxx | Original CLTV | 50 | 54.33437 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844901 | xxxxxx | Original LTV | 50 | 54.33437 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844901 | xxxxxx | Cash From Borrower | 0.00 | 611487.70 | Verified | Field value reflects source document |
| xxxxxx | 844901 | xxxxxx | Original HLTV | 0 | 54.33437 | Verified | Field value reflects source document |
| xxxxxx | 844915 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844915 | xxxxxx | Cash From Borrower | 0.00 | 279926.43 | Verified | Field value reflects source document |
| xxxxxx | 844915 | xxxxxx | Original HLTV | 0 | 42.97357 | Verified | Field value reflects source document |
| xxxxxx | 844943 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844943 | xxxxxx | Cash To Borrower | 125011.00 | 125010.51 | Verified | Field value reflects source document |
| xxxxxx | 844943 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844967 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844967 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 844967 | xxxxxx | Cash To Borrower | 0.00 | 367347.06 | Verified | Field value reflects source document |
| xxxxxx | 844967 | xxxxxx | Original HLTV | 0 | 45.88235 | Verified | Field value reflects source document |
| xxxxxx | 844969 | xxxxxx | Cash From Borrower | 0.00 | 765.00 | Verified | Field value reflects source document |
| xxxxxx | 844969 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844985 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844985 | xxxxxx | Cash To Borrower | 50000.00 | 156538.75 | Verified | Field value reflects source document |
| xxxxxx | 844985 | xxxxxx | Original HLTV | 0 | 59.24479 | Verified | Field value reflects source document |
| xxxxxx | 844999 | xxxxxx | Representative FICO | 724 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844999 | xxxxxx | Cash To Borrower | 103350.00 | 95239.85 | Verified | Field value reflects source document |
| xxxxxx | 844999 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 845051 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845144 | xxxxxx | Representative FICO | 653 | 667 | Verified | Guidelines indicate to use the highest middle FICO amongst all guarantors. |
| xxxxxx | 845157 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845157 | xxxxxx | Cash To Borrower | 194000.00 | 186427.31 | Verified | Field value reflects source document |
| xxxxxx | 845157 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 845176 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845176 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845176 | xxxxxx | Cash From Borrower | 0.00 | 293366.14 | Verified | Field value reflects source document |
| xxxxxx | 845176 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845184 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845184 | xxxxxx | Representative FICO | 709 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845184 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845184 | xxxxxx | Cash From Borrower | 0.00 | 85082.17 | Verified | Field value reflects source document |
| xxxxxx | 845184 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845185 | xxxxxx | Original Interest Rate | 7 | 7.125 | Verified | Field Value reflects the Note value |
| xxxxxx | 845185 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845185 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845199 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845199 | xxxxxx | Cash From Borrower | 0.00 | 97043.16 | Verified | Field value reflects source document |
| xxxxxx | 845199 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845223 | xxxxxx | Cash To Borrower | 108946.00 | 86528.12 | Verified | Field value reflects source document |
| xxxxxx | 845223 | xxxxxx | Original CLTV | 65.14 | 61.45454 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 845223 | xxxxxx | Original LTV | 28.44828 | 26.83878 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 845223 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845223 | xxxxxx | Original HLTV | 0 | 26.83878 | Verified | Field value reflects source document |
| xxxxxx | 845228 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845228 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845228 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 845228 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845228 | xxxxxx | Cash From Borrower | 0.00 | 97814.90 | Verified | Field value reflects source document |
| xxxxxx | 845228 | xxxxxx | Original HLTV | 0 | 73.69863 | Verified | Field value reflects source document |
| xxxxxx | 845277 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845277 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845277 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 845277 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 845277 | xxxxxx | Cash To Borrower | 292669.00 | 292611.56 | Verified | Field value reflects source document |
| xxxxxx | 845277 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 845285 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 845285 | xxxxxx | Cash From Borrower | 0.00 | 49998.20 | Verified | Field value reflects source document |
| xxxxxx | 845285 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.894 | 35.80816 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845295 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 845295 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845295 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 845295 | xxxxxx | Product Description | Investor Solutions DSCR s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 845295 | xxxxxx | Cash From Borrower | 0.00 | 78205.61 | Verified | Field value reflects source document |
| xxxxxx | 845295 | xxxxxx | Original HLTV | 0 | 69.92002 | Verified | Field value reflects source document |
| xxxxxx | 845404 | xxxxxx | Cash To Borrower | 50000.00 | 87700.16 | Verified | Field value reflects source document |
| xxxxxx | 845404 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845416 | xxxxxx | Cash From Borrower | 0.00 | 48513.87 | Verified | Field value reflects source document |
| xxxxxx | 845416 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845419 | xxxxxx | Representative FICO | 746 | 810 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845419 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845419 | xxxxxx | Cash From Borrower | 0.00 | 54824.27 | Verified | Field value reflects source document |
| xxxxxx | 845419 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845457 | xxxxxx | Cash From Borrower | 0.00 | 75149.61 | Verified | Field value reflects source document |
| xxxxxx | 845457 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845515 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845515 | xxxxxx | Cash From Borrower | 0.00 | 240245.83 | Verified | Field value reflects source document |
| xxxxxx | 845515 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845578 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845578 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845578 | xxxxxx | Cash From Borrower | 0.00 | 267728.96 | Verified | Field value reflects source document |
| xxxxxx | 845578 | xxxxxx | Original HLTV | 0 | 52.04082 | Verified | Field value reflects source document |
| xxxxxx | 845716 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845716 | xxxxxx | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 845716 | xxxxxx | Cash From Borrower | 0.00 | 105478.67 | Verified | Field value reflects source document |
| xxxxxx | 845716 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845718 | xxxxxx | Cash To Borrower | 600000.00 | 525478.04 | Verified | Field value reflects source document |
| xxxxxx | 845718 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.056 | 37.72251 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845718 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845752 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 845752 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845752 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845752 | xxxxxx | Cash From Borrower | 0.00 | 472183.38 | Verified | Field value reflects source document |
| xxxxxx | 845752 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 845778 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845778 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845784 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845858 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845858 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 845858 | xxxxxx | Original CLTV | 75 | 77.72727 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 845858 | xxxxxx | Original LTV | 75 | 77.72727 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 845858 | xxxxxx | Cash From Borrower | 0.00 | 157866.28 | Verified | Field value reflects source document |
| xxxxxx | 845858 | xxxxxx | Original HLTV | 0 | 77.72727 | Verified | Field value reflects source document |
| xxxxxx | 845862 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845862 | xxxxxx | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 845862 | xxxxxx | Cash From Borrower | 132758.25 | 135808.25 | Verified | Field value reflects source document |
| xxxxxx | 845867 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845867 | xxxxxx | Cash From Borrower | 0.00 | 166740.31 | Verified | Field value reflects source document |
| xxxxxx | 845867 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845973 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845973 | xxxxxx | Product Description | Foreign National i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 845973 | xxxxxx | Cash From Borrower | 0.00 | 98158.96 | Verified | Field value reflects source document |
| xxxxxx | 845973 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846006 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846006 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846006 | xxxxxx | Cash To Borrower | 170000.00 | 155046.78 | Verified | Field value reflects source document |
| xxxxxx | 846006 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846099 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846113 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846113 | xxxxxx | Cash To Borrower | 65893.00 | 61700.57 | Verified | Field value reflects source document |
| xxxxxx | 846113 | xxxxxx | Original HLTV | 0 | 69.09091 | Verified | Field value reflects source document |
| xxxxxx | 846142 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846142 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846142 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846142 | xxxxxx | Cash From Borrower | 0.00 | 118987.11 | Verified | Field value reflects source document |
| xxxxxx | 846142 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846146 | xxxxxx | Cash From Borrower | 0.00 | 92085.14 | Verified | Field value reflects source document |
| xxxxxx | 846146 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846162 | xxxxxx | Representative FICO | 722 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846162 | xxxxxx | Cash From Borrower | 0.00 | 154880.06 | Verified | Field value reflects source document |
| xxxxxx | 846162 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846164 | xxxxxx | Representative FICO | 692 | 695 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846164 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846164 | xxxxxx | Cash To Borrower | 181000.00 | 157412.08 | Verified | Field value reflects source document |
| xxxxxx | 846164 | xxxxxx | Original HLTV | 0 | 22.85714 | Verified | Field value reflects source document |
| xxxxxx | 846189 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846189 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 846189 | xxxxxx | Cash To Borrower | 207499.00 | 9255.16 | Verified | Field value reflects source document |
| xxxxxx | 846189 | xxxxxx | Product Description | Verus Prime Ascent i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 846189 | xxxxxx | Original HLTV | 0 | 44.6281 | Verified | Field value reflects source document |
| xxxxxx | 846241 | xxxxxx | Cash To Borrower | 40250.00 | 10208.46 | Verified | Field value reflects source document |
| xxxxxx | 846241 | xxxxxx | Original HLTV | 0 | 62.72222 | Verified | Field value reflects source document |
| xxxxxx | 846257 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 846257 | xxxxxx | Cash From Borrower | 0.00 | 63194.15 | Verified | Field value reflects source document |
| xxxxxx | 846257 | xxxxxx | Investor: Qualifying Total Debt Ratio | 15.206 | 20.75529 | Verified | 1008 approved at 19.731% |
| xxxxxx | 846257 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 846274 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846274 | xxxxxx | Cash To Borrower | 290368.00 | 290522.05 | Verified | Field value reflects source document |
| xxxxxx | 846274 | xxxxxx | Original HLTV | 0 | 53.18021 | Verified | Field value reflects source document |
| xxxxxx | 846292 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 846292 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 846292 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846292 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846297 | xxxxxx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 846297 | xxxxxx | Cash To Borrower | 1.00 | 792147.78 | Verified | Field value reflects source document |
| xxxxxx | 846308 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846308 | xxxxxx | Representative FICO | 759 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846308 | xxxxxx | Cash To Borrower | 238831.00 | 238458.51 | Verified | Field value reflects source document |
| xxxxxx | 846308 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846341 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846341 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 846341 | xxxxxx | Original Interest Rate | 7.5 | 7.4 | Verified | Field Value reflects the Note value |
| xxxxxx | 846341 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846341 | xxxxxx | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 846341 | xxxxxx | Cash From Borrower | 0.00 | 169512.25 | Verified | Field value reflects source document |
| xxxxxx | 846341 | xxxxxx | Original HLTV | 0 | 69.89899 | Verified | Field value reflects source document |
| xxxxxx | 846436 | xxxxxx | Representative FICO | 790 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846436 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846436 | xxxxxx | Cash From Borrower | 0.00 | 339463.28 | Verified | Field value reflects source document |
| xxxxxx | 846436 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.66 | 45.6929 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846436 | xxxxxx | Original HLTV | 0 | 72.72727 | Verified | Field value reflects source document |
| xxxxxx | 846449 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846449 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846449 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846449 | xxxxxx | Original CLTV | 70 | 66.03333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 846449 | xxxxxx | Original LTV | 70 | 66.03333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846449 | xxxxxx | Cash From Borrower | 0.00 | 80693.59 | Verified | Field value reflects source document |
| xxxxxx | 846449 | xxxxxx | Original HLTV | 0 | 66.03333 | Verified | Field value reflects source document |
| xxxxxx | 846459 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846459 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846459 | xxxxxx | Cash From Borrower | 0.00 | 239098.31 | Verified | Field value reflects source document |
| xxxxxx | 846459 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846475 | xxxxxx | Representative FICO | 750 | 763 | Verified | Highest mid of all guarantors. |
| xxxxxx | 846475 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846475 | xxxxxx | Cash From Borrower | 9219.09 | 9769.09 | Verified | Field value reflects source document |
| xxxxxx | 846481 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846481 | xxxxxx | Representative FICO | 676 | 662 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846481 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846481 | xxxxxx | Cash From Borrower | 0.00 | 113882.39 | Verified | Field value reflects source document |
| xxxxxx | 846481 | xxxxxx | Original HLTV | 0 | 69.99944 | Verified | Field value reflects source document |
| xxxxxx | 846484 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846484 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846484 | xxxxxx | Cash From Borrower | 0.00 | 198529.43 | Verified | Field value reflects source document |
| xxxxxx | 846484 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846501 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846501 | xxxxxx | Cash From Borrower | 0.00 | 286317.68 | Verified | Field value reflects source document |
| xxxxxx | 846501 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.04 | 45.50453 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846501 | xxxxxx | Original HLTV | 0 | 36.14458 | Verified | Field value reflects source document |
| xxxxxx | 846520 | xxxxxx | Cash From Borrower | 0.00 | 41135.33 | Verified | Field value reflects source document |
| xxxxxx | 846520 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846523 | xxxxxx | Cash From Borrower | 0.00 | 60915.75 | Verified | Field value reflects source document |
| xxxxxx | 846523 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846554 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846554 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846554 | xxxxxx | Cash To Borrower | 264573.00 | 260490.37 | Verified | Field value reflects source document |
| xxxxxx | 846554 | xxxxxx | Original HLTV | 0 | 69.87952 | Verified | Field value reflects source document |
| xxxxxx | 846556 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846556 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846556 | xxxxxx | Cash To Borrower | 0.00 | 3851.25 | Verified | Field value reflects source document |
| xxxxxx | 846556 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846561 | xxxxxx | Representative FICO | 736 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846561 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846561 | xxxxxx | Cash From Borrower | 0.00 | 133107.46 | Verified | Field value reflects source document |
| xxxxxx | 846561 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846670 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846670 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 846670 | xxxxxx | Cash From Borrower | 0.00 | 241507.96 | Verified | Field value reflects source document |
| xxxxxx | 846670 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846684 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 846684 | xxxxxx | Cash From Borrower | 0.00 | 107379.32 | Verified | Field value reflects source document |
| xxxxxx | 846684 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846715 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846715 | xxxxxx | Cash To Borrower | 188875.04 | 190564.08 | Verified | Field value reflects source document |
| xxxxxx | 846715 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.842 | 45.17081 | Verified | Lender used higher PITIA then provided in the file. |
| xxxxxx | 846777 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846777 | xxxxxx | Cash To Borrower | 83000.00 | 83667.51 | Verified | Field value reflects source document |
| xxxxxx | 846777 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846798 | xxxxxx | Cash From Borrower | 0.00 | 78346.31 | Verified | Field value reflects source document |
| xxxxxx | 846798 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846840 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846840 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846840 | xxxxxx | Cash To Borrower | 119605.00 | 92798.26 | Verified | Field value reflects source document |
| xxxxxx | 846840 | xxxxxx | Original CLTV | 74.73207 | 70.51646 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846840 | xxxxxx | Original LTV | 26.08696 | 24.61538 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846840 | xxxxxx | Original HLTV | 0 | 24.61538 | Verified | Field value reflects source document |
| xxxxxx | 846859 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846859 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846859 | xxxxxx | Cash To Borrower | 100000.00 | 114678.16 | Verified | Field value reflects source document |
| xxxxxx | 846859 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 846865 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846865 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846865 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846865 | xxxxxx | Cash To Borrower | 154000.00 | 145534.69 | Verified | Field value reflects source document |
| xxxxxx | 846865 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846916 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846916 | xxxxxx | Cash To Borrower | 547385.45 | 541158.10 | Verified | Field value reflects source document |
| xxxxxx | 846916 | xxxxxx | Original HLTV | 0 | 68.51064 | Verified | Field value reflects source document |
| xxxxxx | 846920 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846920 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846920 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846920 | xxxxxx | Cash From Borrower | 0.00 | 137018.99 | Verified | Field value reflects source document |
| xxxxxx | 846920 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846922 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846922 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846922 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846922 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846922 | xxxxxx | Cash From Borrower | 0.00 | 137018.99 | Verified | Field value reflects source document |
| xxxxxx | 846922 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846948 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846948 | xxxxxx | Cash From Borrower | 0.00 | 227750.57 | Verified | Field value reflects source document |
| xxxxxx | 846948 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846965 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846965 | xxxxxx | Cash From Borrower | 0.00 | 90289.82 | Verified | Field value reflects source document |
| xxxxxx | 846965 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846967 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846967 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 846967 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846967 | xxxxxx | Property Type |  | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846967 | xxxxxx | Cash From Borrower | 0.00 | 1670.13 | Verified | Field value reflects source document |
| xxxxxx | 846967 | xxxxxx | Original HLTV | 0 | 57.70149 | Verified | Field value reflects source document |
| xxxxxx | 846971 | xxxxxx | Representative FICO | 622 | 666 | Verified | Highest mid score of all guarantors. |
| xxxxxx | 846985 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846985 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 846985 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846985 | xxxxxx | Cash To Borrower | 267165.92 | 260511.00 | Verified | Field value reflects source document |
| xxxxxx | 846985 | xxxxxx | Original CLTV | 54.19103 | 52.63158 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846985 | xxxxxx | Original LTV | 54.19103 | 52.63158 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846985 | xxxxxx | Original HLTV | 0 | 52.63158 | Verified | Field value reflects source document |
| xxxxxx | 847002 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847002 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847002 | xxxxxx | Original Interest Rate | 7.5 | 7.125 | Verified | Field Value reflects the Note value |
| xxxxxx | 847002 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847002 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 847002 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 847002 | xxxxxx | Cash From Borrower | 0.00 | 100006.43 | Verified | Field value reflects source document |
| xxxxxx | 847002 | xxxxxx | Original HLTV | 0 | 62.5 | Verified | Field value reflects source document |
| xxxxxx | 847003 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847003 | xxxxxx | Cash From Borrower | 0.00 | 64885.23 | Verified | Field value reflects source document |
| xxxxxx | 847003 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847005 | xxxxxx | Cash To Borrower | 98899.27 | 96741.21 | Verified | Field value reflects source document |
| xxxxxx | 847005 | xxxxxx | Original HLTV | 0 | 40.74803 | Verified | Field value reflects source document |
| xxxxxx | 847008 | xxxxxx | Representative FICO | 680 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847008 | xxxxxx | Cash From Borrower | 0.00 | 219812.32 | Verified | Field value reflects source document |
| xxxxxx | 847008 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 847030 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847030 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847030 | xxxxxx | Representative FICO | 782 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847030 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847030 | xxxxxx | Cash From Borrower | 0.00 | 89839.57 | Verified | Field value reflects source document |
| xxxxxx | 847030 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847036 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847036 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847036 | xxxxxx | Representative FICO | 782 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847036 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847036 | xxxxxx | Cash From Borrower | 0.00 | 117698.83 | Verified | Field value reflects source document |
| xxxxxx | 847036 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847050 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847050 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 847050 | xxxxxx | Cash To Borrower | 602232.00 | 483232.30 | Verified | Field value reflects source document |
| xxxxxx | 847050 | xxxxxx | Product Description | Verus Prime Ascent i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 847050 | xxxxxx | Original HLTV | 0 | 54.96633 | Verified | Field value reflects source document |
| xxxxxx | 847085 | xxxxxx | Representative FICO | 803 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847085 | xxxxxx | Cash From Borrower | 0.00 | 141688.80 | Verified | Field value reflects source document |
| xxxxxx | 847085 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847104 | xxxxxx | Property Type | Single Family Detached | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847104 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847104 | xxxxxx | Cash From Borrower | 0.00 | 233175.63 | Verified | Field value reflects source document |
| xxxxxx | 847104 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847107 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847110 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847110 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847110 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 847110 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 847110 | xxxxxx | Subject Debt Service Coverage Ratio | 0.74 | 0.73 | Verified | DSCR mismatch due to round-off value. |
| xxxxxx | 847111 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847111 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 847111 | xxxxxx | Subject Debt Service Coverage Ratio | 0.94 | 1.02 | Verified | Rounding Factor |
| xxxxxx | 847116 | xxxxxx | Subject Debt Service Coverage Ratio | 1.21 | 1.20 | Verified | DSCR mismatch due to round-off value. |
| xxxxxx | 847118 | xxxxxx | Subject Debt Service Coverage Ratio | 1.19 | 1.11 | Verified | DSCR: $1,100.00 / $990.59 = 1.11 updated as per document. |
| xxxxxx | 847121 | xxxxxx | Subject Debt Service Coverage Ratio | 1.12 | 1.22 | Verified | Total PITIA, Lease rent and Market rent is correctly updated. |
| xxxxxx | 847124 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847126 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847126 | xxxxxx | Representative FICO | 784 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847126 | xxxxxx | Subject Debt Service Coverage Ratio | 1.07 | 1.05 | Verified | Field value reflects source document |
| xxxxxx | 847132 | xxxxxx | Cash From Borrower | 0.00 | 52799.17 | Verified | Field value reflects source document |
| xxxxxx | 847132 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847185 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847185 | xxxxxx | Cash To Borrower | 278600.00 | 260055.23 | Verified | Field value reflects source document |
| xxxxxx | 847185 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847210 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847210 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847210 | xxxxxx | Cash To Borrower | 225000.00 | 232362.83 | Verified | Field value reflects source document |
| xxxxxx | 847210 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847236 | xxxxxx | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Rounding Off |
| xxxxxx | 847302 | xxxxxx | Cash From Borrower | 0.00 | 95808.54 | Verified | Field value reflects source document |
| xxxxxx | 847302 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847309 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 847309 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847309 | xxxxxx | Original CLTV | 39.58333 | 36.11111 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 847309 | xxxxxx | Original LTV | 39.58333 | 36.11111 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 847309 | xxxxxx | Cash From Borrower | 0.00 | 472880.39 | Verified | Field value reflects source document |
| xxxxxx | 847309 | xxxxxx | Original HLTV | 0 | 36.11111 | Verified | Field value reflects source document |
| xxxxxx | 847327 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847327 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847327 | xxxxxx | Cash To Borrower | 100000.00 | 247539.49 | Verified | Field value reflects source document |
| xxxxxx | 847327 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 847359 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 847359 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 847359 | xxxxxx | Cash From Borrower | 0.00 | 1998.14 | Verified | Field value reflects source document |
| xxxxxx | 847359 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847361 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847361 | xxxxxx | Cash From Borrower | 0.00 | 952981.34 | Verified | Field value reflects source document |
| xxxxxx | 847361 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 847376 | xxxxxx | Subject Debt Service Coverage Ratio | 1.35 | 1.68 | Verified | DSCR: $2,500.00 / $1,482.41 = 1.68 updated as per source document. |
| xxxxxx | 847381 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847381 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847381 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 0.92 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 847382 | xxxxxx | Subject Debt Service Coverage Ratio | 0.49 | 0.47 | Verified | Rounding Factor |
| xxxxxx | 847385 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847385 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 847385 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847385 | xxxxxx | Subject Debt Service Coverage Ratio | 1.38 | 1.16 | Verified | Field value reflects source document |
| xxxxxx | 847388 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847388 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847388 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847399 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847399 | xxxxxx | Cash To Borrower | 400000.00 | 492482.95 | Verified | Field value reflects source document |
| xxxxxx | 847399 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847411 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847411 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847411 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847411 | xxxxxx | Cash From Borrower | 0.00 | 78797.02 | Verified | Field value reflects source document |
| xxxxxx | 847411 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.582 | 47.2583 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847411 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847453 | xxxxxx | Representative FICO | 717 | 778 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847453 | xxxxxx | Cash To Borrower | 410717.59 | 410160.42 | Verified | Field value reflects source document |
| xxxxxx | 847453 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847467 | xxxxxx | Cash From Borrower | 0.00 | 258693.48 | Verified | Field value reflects source document |
| xxxxxx | 847467 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847482 | xxxxxx | Representative FICO | 809 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847482 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847482 | xxxxxx | Cash To Borrower | 215000.00 | 207524.55 | Verified | Field value reflects source document |
| xxxxxx | 847482 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 847505 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847505 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847505 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847505 | xxxxxx | Cash From Borrower | 0.00 | 269765.62 | Verified | Field value reflects source document |
| xxxxxx | 847505 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847506 | xxxxxx | Cash From Borrower | 0.00 | 20287.22 | Verified | Field value reflects source document |
| xxxxxx | 847506 | xxxxxx | Original HLTV | 0 | 52.63158 | Verified | Field value reflects source document |
| xxxxxx | 847526 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847526 | xxxxxx | Cash To Borrower | 341890.78 | 350176.70 | Verified | Field value reflects source document |
| xxxxxx | 847526 | xxxxxx | Original HLTV | 0 | 68.7237 | Verified | Field value reflects source document |
| xxxxxx | 847543 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847543 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847543 | xxxxxx | Cash To Borrower | 521613.00 | 536905.93 | Verified | Field value reflects source document |
| xxxxxx | 847543 | xxxxxx | Original HLTV | 0 | 52.51142 | Verified | Field value reflects source document |
| xxxxxx | 847582 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 847582 | xxxxxx | Representative FICO | 776 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847582 | xxxxxx | Cash From Borrower | 0.00 | 59334.22 | Verified | Field value reflects source document |
| xxxxxx | 847582 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.814 | 24.71545 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847582 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847585 | xxxxxx | Cash From Borrower | 0.00 | 102339.01 | Verified | Field value reflects source document |
| xxxxxx | 847585 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.73 | 32.08239 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847585 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847685 | xxxxxx | Cash From Borrower | 0.00 | 335063.99 | Verified | Field value reflects source document |
| xxxxxx | 847685 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.948 | 41.62135 | Verified | Lender used less income that was provided in the file. |
| xxxxxx | 847685 | xxxxxx | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 847692 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847692 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847692 | xxxxxx | Cash From Borrower | 0.00 | 355762.34 | Verified | Field value reflects source document |
| xxxxxx | 847692 | xxxxxx | Original HLTV | 0 | 56.66667 | Verified | Field value reflects source document |
| xxxxxx | 847712 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847712 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847712 | xxxxxx | Cash To Borrower | 759689.00 | 765708.13 | Verified | Field value reflects source document |
| xxxxxx | 847712 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847744 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847744 | xxxxxx | Cash To Borrower | 580000.00 | 577676.50 | Verified | Field value reflects source document |
| xxxxxx | 847744 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 847810 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 847810 | xxxxxx | Original Interest Rate | 7.25 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 847810 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847810 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 847810 | xxxxxx | Cash From Borrower | 0.00 | 208043.52 | Verified | Field value reflects source document |
| xxxxxx | 847810 | xxxxxx | Original HLTV | 0 | 74.24242 | Verified | Field value reflects source document |
| xxxxxx | 847818 | xxxxxx | Cash To Borrower | 129000.00 | 126681.93 | Verified | Field value reflects source document |
| xxxxxx | 847818 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847822 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847823 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847823 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.23 | Verified | Field value reflects source document |
| xxxxxx | 847826 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847826 | xxxxxx | Subject Debt Service Coverage Ratio | 1.28 | 1.29 | Verified | Appraisal and Lease agreement is not provided in file |
| xxxxxx | 847829 | xxxxxx | Subject Debt Service Coverage Ratio | 1.50 | 1.46 | Verified | Rounding Factor. |
| xxxxxx | 847830 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847830 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847830 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847830 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 1.19 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 847852 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847852 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847852 | xxxxxx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 847852 | xxxxxx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847852 | xxxxxx | Representative FICO | 697 | 679 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847852 | xxxxxx | Cash To Borrower | 100000.00 | 45164.14 | Verified | Field value reflects source document |
| xxxxxx | 847852 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847862 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 847862 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 847862 | xxxxxx | Cash From Borrower | 0.00 | 12299.33 | Verified | Field value reflects source document |
| xxxxxx | 847862 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.272 | 19.29907 | Verified | 1008 approved with 19.297%. |
| xxxxxx | 847862 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847876 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847876 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 847876 | xxxxxx | Cash From Borrower | 0.00 | 162607.37 | Verified | Field value reflects source document |
| xxxxxx | 847876 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.569 | 41.10216 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847876 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847884 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847884 | xxxxxx | Cash From Borrower | 0.00 | 256076.55 | Verified | Field value reflects source document |
| xxxxxx | 847884 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847887 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847887 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847887 | xxxxxx | Cash From Borrower | 0.00 | 84078.06 | Verified | Field value reflects source document |
| xxxxxx | 847887 | xxxxxx | Original HLTV | 0 | 69.99992 | Verified | Field value reflects source document |
| xxxxxx | 847894 | xxxxxx | Cash From Borrower | 0.00 | 134083.90 | Verified | Field value reflects source document |
| xxxxxx | 847894 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 847906 | xxxxxx | Representative FICO | 726 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847906 | xxxxxx | Cash To Borrower | 310000.00 | 298716.60 | Verified | Field value reflects source document |
| xxxxxx | 847906 | xxxxxx | Original HLTV | 0 | 46.9697 | Verified | Field value reflects source document |
| xxxxxx | 847933 | xxxxxx | Cash To Borrower | 495000.00 | 494225.67 | Verified | Field value reflects source document |
| xxxxxx | 847933 | xxxxxx | Original HLTV | 0 | 65.625 | Verified | Field value reflects source document |
| xxxxxx | 847953 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847953 | xxxxxx | Cash To Borrower | 607903.78 | 558684.71 | Verified | Field value reflects source document |
| xxxxxx | 847953 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 847953 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.682 | 36.34039 | Verified | Hit for the capital gain losses for B2. Still within guidelines |
| xxxxxx | 847953 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847957 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847957 | xxxxxx | Cash From Borrower | 0.00 | 521145.26 | Verified | Field value reflects source document |
| xxxxxx | 847957 | xxxxxx | Original HLTV | 0 | 61.83206 | Verified | Field value reflects source document |
| xxxxxx | 847975 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847975 | xxxxxx | Representative FICO | 739 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847975 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847975 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 847975 | xxxxxx | Cash To Borrower | 6636.10 | 3382.76 | Verified | Field value reflects source document |
| xxxxxx | 847975 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847988 | xxxxxx | Cash From Borrower | 0.00 | 546358.76 | Verified | Field value reflects source document |
| xxxxxx | 847988 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 848002 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848002 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848002 | xxxxxx | Original HLTV | 0 | 20.83333 | Verified | Field value reflects source document |
| xxxxxx | 848003 | xxxxxx | Cash From Borrower | 0.00 | 142370.36 | Verified | Field value reflects source document |
| xxxxxx | 848003 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848016 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 848016 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 848016 | xxxxxx | Cash From Borrower | 0.00 | 118592.45 | Verified | Field value reflects source document |
| xxxxxx | 848016 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848031 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848031 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848031 | xxxxxx | Cash From Borrower | 0.00 | 101301.48 | Verified | Field value reflects source document |
| xxxxxx | 848031 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848044 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848044 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848044 | xxxxxx | Cash To Borrower | 160000.00 | 147920.39 | Verified | Field value reflects source document |
| xxxxxx | 848044 | xxxxxx | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848044 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 848054 | xxxxxx | Cash To Borrower | 106916.71 | 83342.93 | Verified | Field value reflects source document |
| xxxxxx | 848054 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35 | 39.65141 | Verified | 1008 approved with 40.945%. |
| xxxxxx | 848054 | xxxxxx | Original HLTV | 0 | 79.84344 | Verified | Field value reflects source document |
| xxxxxx | 848065 | xxxxxx | Cash To Borrower | 253890.57 | 254330.62 | Verified | Field value reflects source document |
| xxxxxx | 848065 | xxxxxx | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848065 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848130 | xxxxxx | Cash To Borrower | 130060.00 | 127232.26 | Verified | Field value reflects source document |
| xxxxxx | 848130 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32 | 36.43004 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848130 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848132 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848132 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848132 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848132 | xxxxxx | Cash From Borrower | 0.00 | 100705.00 | Verified | Field value reflects source document |
| xxxxxx | 848132 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 848135 | xxxxxx | Cash From Borrower | 0.00 | 225644.62 | Verified | Field value reflects source document |
| xxxxxx | 848135 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848233 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848233 | xxxxxx | Cash From Borrower | 0.00 | 328419.13 | Verified | Field value reflects source document |
| xxxxxx | 848233 | xxxxxx | Original HLTV | 0 | 74.95065 | Verified | Field value reflects source document |
| xxxxxx | 848249 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848249 | xxxxxx | Cash To Borrower | 120238.00 | 110591.94 | Verified | Field value reflects source document |
| xxxxxx | 848249 | xxxxxx | Original CLTV | 50 | 45.97701 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 848249 | xxxxxx | Original LTV | 50 | 45.97701 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848249 | xxxxxx | Original HLTV | 0 | 45.97701 | Verified | Field value reflects source document |
| xxxxxx | 848289 | xxxxxx | Original Interest Rate | 6.875 | 6.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 848289 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848289 | xxxxxx | Cash From Borrower | 0.00 | 293309.97 | Verified | Field value reflects source document |
| xxxxxx | 848289 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848347 | xxxxxx | Cash To Borrower | 60937.04 | 61458.09 | Verified | Field value reflects source document |
| xxxxxx | 848347 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848347 | xxxxxx | Original HLTV | 0 | 22.01846 | Verified | Field value reflects source document |
| xxxxxx | 848356 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848356 | xxxxxx | Original CLTV | 61.64384 | 68.72452 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848356 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848356 | xxxxxx | Cash From Borrower | 0.00 | 4322.42 | Verified | Field value reflects source document |
| xxxxxx | 848356 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.58 | 42.99321 | Verified | 1008 approved at 43.027%. |
| xxxxxx | 848356 | xxxxxx | Original HLTV | 0 | 61.64384 | Verified | Field value reflects source document |
| xxxxxx | 848412 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848412 | xxxxxx | Cash From Borrower | 0.00 | 175097.38 | Verified | Field value reflects source document |
| xxxxxx | 848412 | xxxxxx | Original HLTV | 0 | 74.99992 | Verified | Field value reflects source document |
| xxxxxx | 848420 | xxxxxx | Representative FICO | 793 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848420 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848420 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848420 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848420 | xxxxxx | Cash From Borrower | 0.00 | 71525.90 | Verified | Field value reflects source document |
| xxxxxx | 848420 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.951 | 48.27761 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848420 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848455 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848455 | xxxxxx | Cash To Borrower | 138000.00 | 138376.73 | Verified | Field value reflects source document |
| xxxxxx | 848455 | xxxxxx | Original HLTV | 0 | 68.40909 | Verified | Field value reflects source document |
| xxxxxx | 848481 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848481 | xxxxxx | Cash From Borrower | 0.00 | 153206.50 | Verified | Field value reflects source document |
| xxxxxx | 848481 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848491 | xxxxxx | Cash From Borrower | 0.00 | 2450.73 | Verified | Field value reflects source document |
| xxxxxx | 848491 | xxxxxx | Original HLTV | 0 | 60.91973 | Verified | Field value reflects source document |
| xxxxxx | 848498 | xxxxxx | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848498 | xxxxxx | # of Units | 1 | 3 | Verified | Field value reflects source document |
| xxxxxx | 848498 | xxxxxx | Cash To Borrower | 133000.00 | 114250.04 | Verified | Field value reflects source document |
| xxxxxx | 848498 | xxxxxx | Original HLTV | 0 | 74.94118 | Verified | Field value reflects source document |
| xxxxxx | 848523 | xxxxxx | Cash From Borrower | 0.00 | 101290.84 | Verified | Field value reflects source document |
| xxxxxx | 848523 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848524 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848524 | xxxxxx | Representative FICO | 779 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848524 | xxxxxx | Cash From Borrower | 0.00 | 146193.72 | Verified | Field value reflects source document |
| xxxxxx | 848524 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848542 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848575 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848576 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848580 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848580 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848580 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848580 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848580 | xxxxxx | Subject Debt Service Coverage Ratio | 1.03 | 1.30 | Verified | DSCR Used Market rent $3,908.33/PITIA of $2,990.25=1.30 |
| xxxxxx | 848582 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848582 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 1.21 | Verified | Market Rent of $2450, Monthly PITIA of 2,643.26 DSCR=Rent\PITA 0.92 |
| xxxxxx | 848583 | xxxxxx | Property Type | Townhouse | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848583 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848585 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848585 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848585 | xxxxxx | Subject Debt Service Coverage Ratio | 1.06 | 1.00 | Verified | DSCR xxxxxx $3200 / 3182.22 = 1.00% |
| xxxxxx | 848587 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848587 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 848587 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848592 | xxxxxx | Representative FICO | 654 | 667 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848592 | xxxxxx | Subject Debt Service Coverage Ratio | 1.14 | 1.13 | Verified | Due to Rounded Value |
| xxxxxx | 848594 | xxxxxx | Subject Debt Service Coverage Ratio | 1.75 | 1.90 | Verified | Due to round off |
| xxxxxx | 848606 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848606 | xxxxxx | Cash From Borrower | 0.00 | 82316.60 | Verified | Field value reflects source document |
| xxxxxx | 848606 | xxxxxx | Original HLTV | 0 | 79.71429 | Verified | Field value reflects source document |
| xxxxxx | 848613 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848613 | xxxxxx | Cash From Borrower | 0.00 | 573184.71 | Verified | Field value reflects source document |
| xxxxxx | 848613 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848703 | xxxxxx | Cash To Borrower | 100462.67 | 89832.49 | Verified | Field value reflects source document |
| xxxxxx | 848703 | xxxxxx | Original HLTV | 0 | 67.37395 | Verified | Field value reflects source document |
| xxxxxx | 848736 | xxxxxx | Cash From Borrower | 0.00 | 261897.35 | Verified | Field value reflects source document |
| xxxxxx | 848736 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35 | 32.4266 | Verified | Lender used higher taxes for previous primary than provided in file. |
| xxxxxx | 848736 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848752 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848752 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848752 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848752 | xxxxxx | Cash From Borrower | 0.00 | 238106.53 | Verified | Field value reflects source document |
| xxxxxx | 848752 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848758 | xxxxxx | Cash To Borrower | 681923.47 | 620282.47 | Verified | Field value reflects source document |
| xxxxxx | 848758 | xxxxxx | Original HLTV | 0 | 78.26087 | Verified | Field value reflects source document |
| xxxxxx | 848772 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848772 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848772 | xxxxxx | Cash From Borrower | 0.00 | 158653.33 | Verified | Field value reflects source document |
| xxxxxx | 848772 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848773 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 848773 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848773 | xxxxxx | Cash From Borrower | 0.00 | 207652.33 | Verified | Field value reflects source document |
| xxxxxx | 848773 | xxxxxx | Original HLTV | 0 | 78.94737 | Verified | Field value reflects source document |
| xxxxxx | 848776 | xxxxxx | Representative FICO | 761 | 813 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848776 | xxxxxx | Cash From Borrower | 0.00 | 274785.58 | Verified | Field value reflects source document |
| xxxxxx | 848776 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 848792 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848792 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 848792 | xxxxxx | Cash From Borrower | 0.00 | 762621.24 | Verified | Field value reflects source document |
| xxxxxx | 848792 | xxxxxx | Original HLTV | 0 | 61.90476 | Verified | Field value reflects source document |
| xxxxxx | 848822 | xxxxxx | Representative FICO | 777 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848822 | xxxxxx | Cash From Borrower | 0.00 | 82270.78 | Verified | Field value reflects source document |
| xxxxxx | 848822 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848840 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848840 | xxxxxx | Cash To Borrower | 294010.77 | 18668.33 | Verified | Field value reflects source document |
| xxxxxx | 848840 | xxxxxx | Original HLTV | 0 | 57.97101 | Verified | Field value reflects source document |
| xxxxxx | 848860 | xxxxxx | Cash To Borrower | 97703.59 | 100575.73 | Verified | Field value reflects source document |
| xxxxxx | 848860 | xxxxxx | Original HLTV | 0 | 42.05128 | Verified | Field value reflects source document |
| xxxxxx | 848862 | xxxxxx | Cash From Borrower | 0.00 | 112659.78 | Verified | Field value reflects source document |
| xxxxxx | 848862 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848868 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848868 | xxxxxx | Cash From Borrower | 0.00 | 211208.22 | Verified | Field value reflects source document |
| xxxxxx | 848868 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.138 | 43.36113 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848868 | xxxxxx | Original HLTV | 0 | 74.99997 | Verified | Field value reflects source document |
| xxxxxx | 848874 | xxxxxx | Cash From Borrower | 0.00 | 223459.98 | Verified | Field value reflects source document |
| xxxxxx | 848874 | xxxxxx | Original HLTV | 0 | 70.32258 | Verified | Field value reflects source document |
| xxxxxx | 848891 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848891 | xxxxxx | Representative FICO | 706 | 802 | Verified | Guidelines allow for highest FICO amongst all Guarantors. |
| xxxxxx | 848892 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848892 | xxxxxx | Representative FICO | 780 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848892 | xxxxxx | Cash From Borrower | 0.00 | 161570.01 | Verified | Field value reflects source document |
| xxxxxx | 848892 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848919 | xxxxxx | Representative FICO | 784 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848919 | xxxxxx | Cash To Borrower | 172718.00 | 172718.37 | Verified | Field value reflects source document |
| xxxxxx | 848919 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848927 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848927 | xxxxxx | Cash From Borrower | 0.00 | 245697.68 | Verified | Field value reflects source document |
| xxxxxx | 848927 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.698 | 48.38342 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848927 | xxxxxx | Original HLTV | 0 | 68.34625 | Verified | Field value reflects source document |
| xxxxxx | 848985 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 848985 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848985 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 848985 | xxxxxx | Original CLTV | 68.25581 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848985 | xxxxxx | Original LTV | 68.25581 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848985 | xxxxxx | Product Description | Verus Prime Ascent i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848985 | xxxxxx | Cash From Borrower | 0.00 | 110082.33 | Verified | Field value reflects source document |
| xxxxxx | 848985 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848997 | xxxxxx | Cash To Borrower | 350000.00 | 424261.81 | Verified | Field value reflects source document |
| xxxxxx | 848997 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849003 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849003 | xxxxxx | Cash To Borrower | 246500.00 | 220892.44 | Verified | Field value reflects source document |
| xxxxxx | 849003 | xxxxxx | Original HLTV | 0 | 68.18182 | Verified | Field value reflects source document |
| xxxxxx | 849013 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849013 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 849013 | xxxxxx | Cash To Borrower | 76068.00 | 43184.87 | Verified | Field value reflects source document |
| xxxxxx | 849013 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.99 | 41.76873 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849013 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849027 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849027 | xxxxxx | Original Interest Rate | 7.25 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 849027 | xxxxxx | Cash From Borrower | 0.00 | 3762.56 | Verified | Field value reflects source document |
| xxxxxx | 849027 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849035 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 849035 | xxxxxx | Cash From Borrower | 0.00 | 198967.78 | Verified | Field value reflects source document |
| xxxxxx | 849035 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849051 | xxxxxx | Cash To Borrower | 37697.20 | 39336.01 | Verified | Field value reflects source document |
| xxxxxx | 849051 | xxxxxx | Original HLTV | 0 | 19.0678 | Verified | Field value reflects source document |
| xxxxxx | 849053 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.74 | 42.41586 | Verified | 1008 approved at 42.24%. |
| xxxxxx | 849053 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849071 | xxxxxx | Cash To Borrower | 449197.86 | 447985.36 | Verified | Field value reflects source document |
| xxxxxx | 849071 | xxxxxx | Original HLTV | 0 | 64.28571 | Verified | Field value reflects source document |
| xxxxxx | 849080 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849080 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 849080 | xxxxxx | Cash To Borrower | 280921.84 | 261858.77 | Verified | Field value reflects source document |
| xxxxxx | 849080 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849110 | xxxxxx | Cash To Borrower | 1446173.00 | 1406041.32 | Verified | Field value reflects source document |
| xxxxxx | 849110 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.19 | 17.66348 | Verified | 1008 approved with 15.604%. |
| xxxxxx | 849110 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 849150 | xxxxxx | # of Units | 2 | 1 | Verified | Field value reflects source document |
| xxxxxx | 849150 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849150 | xxxxxx | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | DSCR mismatch due to round-off value. |
| xxxxxx | 849153 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849154 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849154 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849154 | xxxxxx | Subject Debt Service Coverage Ratio | 1.26 | 1.04 | Verified | DSCR: $1,800.00 / $1719.36 = 1.046 updated as per source document. |
| xxxxxx | 849155 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849155 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849156 | xxxxxx | Representative FICO | 751 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849156 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849156 | xxxxxx | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Field value reflects source document |
| xxxxxx | 849158 | xxxxxx | Subject Debt Service Coverage Ratio | 1.14 | 1.08 | Verified | PITIA: P&I $xxxxxx Taxes $xxxxxx, Hazard $166.93= $xxxxxx. Used rent $2,800.00 / PITIA $2,571.56 = 1.08 |
| xxxxxx | 849159 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 849159 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849161 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849161 | xxxxxx | Representative FICO | 751 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849161 | xxxxxx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849162 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849162 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 849162 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849162 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.22 | Verified | Monthly rent $5,900 / PITIA $4,801.08 = 1.22 DSCR |
| xxxxxx | 849163 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849163 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849163 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849163 | xxxxxx | Subject Debt Service Coverage Ratio | 1.35 | 1.34 | Verified | Field value reflects source document |
| xxxxxx | 849164 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849164 | xxxxxx | Subject Debt Service Coverage Ratio | 0.60 | 0.59 | Verified | Due to round Off |
| xxxxxx | 849165 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849165 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 849165 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849165 | xxxxxx | Subject Debt Service Coverage Ratio | 0.88 | 0.86 | Verified | Field value reflects source document |
| xxxxxx | 849166 | xxxxxx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849166 | xxxxxx | Subject Debt Service Coverage Ratio | 0.75 | 0.87 | Verified | Field value reflects source document |
| xxxxxx | 849168 | xxxxxx | Representative FICO | 713 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849168 | xxxxxx | Subject Debt Service Coverage Ratio | 1.40 | 1.53 | Verified | DSCR Used Market rent $2,750/PITIA of $1,788.19=1.53 |
| xxxxxx | 849169 | xxxxxx | Subject Debt Service Coverage Ratio |  | 0.83 | Verified | Field value reflects source document |
| xxxxxx | 849181 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849181 | xxxxxx | Cash From Borrower | 0.00 | 895622.52 | Verified | Field value reflects source document |
| xxxxxx | 849181 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849183 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 849183 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849183 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849183 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849183 | xxxxxx | Cash From Borrower | 0.00 | 98382.59 | Verified | Field value reflects source document |
| xxxxxx | 849183 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11.564 | 8.73064 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849183 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 849220 | xxxxxx | Cash From Borrower | 0.00 | 140750.00 | Verified | Field value reflects source document |
| xxxxxx | 849220 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.808 | 38.03488 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849220 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849239 | xxxxxx | Cash To Borrower | 110579.72 | 112053.44 | Verified | Field value reflects source document |
| xxxxxx | 849239 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849301 | xxxxxx | Cash To Borrower | 109764.00 | 157264.13 | Verified | Field value reflects source document |
| xxxxxx | 849301 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39 | 42.60959 | Verified | 1008 approved at 41.811%. |
| xxxxxx | 849301 | xxxxxx | Original HLTV | 0 | 53.7037 | Verified | Field value reflects source document |
| xxxxxx | 849322 | xxxxxx | Cash To Borrower | 34360.82 | 33687.48 | Verified | Field value reflects source document |
| xxxxxx | 849322 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.43 | 39.75175 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849322 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849350 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 849350 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 849350 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849350 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 849350 | xxxxxx | Original CLTV | 67.30769 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 849350 | xxxxxx | Original LTV | 67.30769 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 849350 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849350 | xxxxxx | Cash From Borrower | 0.00 | 87060.78 | Verified | Field value reflects source document |
| xxxxxx | 849350 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849389 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849389 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849389 | xxxxxx | Cash From Borrower | 0.00 | 81956.78 | Verified | Field value reflects source document |
| xxxxxx | 849389 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25.328 | 1.60892 | Verified | Lender used lower stated income rather than actual income from bank statements. |
| xxxxxx | 849389 | xxxxxx | Original HLTV | 0 | 79.99995 | Verified | Field value reflects source document |
| xxxxxx | 849409 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 849409 | xxxxxx | Cash To Borrower | 318053.67 | 313930.56 | Verified | Field value reflects source document |
| xxxxxx | 849409 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41 | 29.89494 | Verified | Field Value DTI matches 1008 DTI. |
| xxxxxx | 849409 | xxxxxx | Original HLTV | 0 | 40.90909 | Verified | Field value reflects source document |
| xxxxxx | 849412 | xxxxxx | Cash To Borrower | 0.00 | 2699.18 | Verified | Field value reflects source document |
| xxxxxx | 849412 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25.04 | 20.86347 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849412 | xxxxxx | Original HLTV | 0 | 69.12 | Verified | Field value reflects source document |
| xxxxxx | 849417 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849417 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 849417 | xxxxxx | Cash To Borrower | 97042.00 | 81956.73 | Verified | Field value reflects source document |
| xxxxxx | 849417 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849421 | xxxxxx | Cash To Borrower | 322352.00 | 322050.41 | Verified | Field value reflects source document |
| xxxxxx | 849421 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.45 | 41.33686 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849421 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849423 | xxxxxx | Cash To Borrower | 343831.00 | 248.00 | Verified | Field value reflects source document |
| xxxxxx | 849423 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.04 | 42.68514 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849423 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849424 | xxxxxx | Cash To Borrower | 282917.00 | 283461.20 | Verified | Field value reflects source document |
| xxxxxx | 849424 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.72 | 41.33695 | Verified | Field Value DTI is within tolerance of 1008 DTI of 42.24%. |
| xxxxxx | 849424 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849436 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849436 | xxxxxx | Cash From Borrower | 0.00 | 102775.43 | Verified | Field value reflects source document |
| xxxxxx | 849436 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849447 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849447 | xxxxxx | Cash From Borrower | 0.00 | 112138.94 | Verified | Field value reflects source document |
| xxxxxx | 849447 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849448 | xxxxxx | Cash To Borrower | 104392.00 | 53599.39 | Verified | Field value reflects source document |
| xxxxxx | 849448 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849464 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 849464 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 849464 | xxxxxx | Cash From Borrower | 0.00 | 400815.16 | Verified | Field value reflects source document |
| xxxxxx | 849464 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849481 | xxxxxx | Cash From Borrower | 0.00 | 127271.22 | Verified | Field value reflects source document |
| xxxxxx | 849481 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849489 | xxxxxx | Cash To Borrower | 200000.00 | 209000.49 | Verified | Field value reflects source document |
| xxxxxx | 849489 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46 | 40.47037 | Verified | 1008 approved at 40.287%. |
| xxxxxx | 849489 | xxxxxx | Original HLTV | 0 | 33.90558 | Verified | Field value reflects source document |
| xxxxxx | 849510 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849510 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849510 | xxxxxx | Cash From Borrower | 0.00 | 204847.72 | Verified | Field value reflects source document |
| xxxxxx | 849510 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.958 | 39.519 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849510 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 849529 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849529 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 849529 | xxxxxx | Cash From Borrower | 0.00 | 149098.35 | Verified | Field value reflects source document |
| xxxxxx | 849529 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.51 | 36.89987 | Verified | 1008 approved with 37.22%. |
| xxxxxx | 849529 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849530 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849530 | xxxxxx | Cash From Borrower | 0.00 | 109785.61 | Verified | Field value reflects source document |
| xxxxxx | 849530 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849549 | xxxxxx | Cash To Borrower | 0.00 | 199.41 | Verified | Field value reflects source document |
| xxxxxx | 849549 | xxxxxx | Original HLTV | 0 | 33.60833 | Verified | Field value reflects source document |
| xxxxxx | 849555 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 849555 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 849555 | xxxxxx | Cash From Borrower | 0.00 | 673.02 | Verified | Field value reflects source document |
| xxxxxx | 849555 | xxxxxx | Original HLTV | 0 | 74.33654 | Verified | Field value reflects source document |
| xxxxxx | 849561 | xxxxxx | Cash To Borrower | 774055.00 | 731303.42 | Verified | Field value reflects source document |
| xxxxxx | 849561 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 849561 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849598 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849598 | xxxxxx | Cash From Borrower | 0.00 | 141404.54 | Verified | Field value reflects source document |
| xxxxxx | 849598 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849673 | xxxxxx | Product Description | Investor Solutions DSCR i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 849673 | xxxxxx | Cash From Borrower | 0.00 | 290606.05 | Verified | Field value reflects source document |
| xxxxxx | 849673 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849690 | xxxxxx | Cash From Borrower | 0.00 | 121539.30 | Verified | Field value reflects source document |
| xxxxxx | 849690 | xxxxxx | Original HLTV | 0 | 72.22222 | Verified | Field value reflects source document |
| xxxxxx | 849713 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 849713 | xxxxxx | Cash To Borrower | 120291.00 | 118773.14 | Verified | Field value reflects source document |
| xxxxxx | 849713 | xxxxxx | Original HLTV | 0 | 47.52852 | Verified | Field value reflects source document |
| xxxxxx | 849718 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849718 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849718 | xxxxxx | Cash From Borrower | 0.00 | 158936.13 | Verified | Field value reflects source document |
| xxxxxx | 849808 | xxxxxx | Cash From Borrower | 0.00 | 110155.89 | Verified | Field value reflects source document |
| xxxxxx | 849808 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23 | 2.01971 | Verified | 1008 approved at 1.58%. |
| xxxxxx | 849808 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849845 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849845 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849845 | xxxxxx | Cash From Borrower | 0.00 | 194100.47 | Verified | Field value reflects source document |
| xxxxxx | 849845 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850025 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 850025 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 850025 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 850025 | xxxxxx | Cash To Borrower | 0.00 | 307283.19 | Verified | Field value reflects source document |
| xxxxxx | 850025 | xxxxxx | Original HLTV | 0 | 74.98795 | Verified | Field value reflects source document |
| xxxxxx | 850031 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 850031 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 850031 | xxxxxx | Cash From Borrower | 0.00 | 2241.26 | Verified | Field value reflects source document |
| xxxxxx | 850031 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850032 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850032 | xxxxxx | Cash From Borrower | 0.00 | 83429.22 | Verified | Field value reflects source document |
| xxxxxx | 850032 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850066 | xxxxxx | Representative FICO | 787 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850066 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850066 | xxxxxx | Cash From Borrower | 0.00 | 246167.22 | Verified | Field value reflects source document |
| xxxxxx | 850066 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850085 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850085 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 850085 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 850085 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 850085 | xxxxxx | Cash From Borrower | 0.00 | 224225.07 | Verified | Field value reflects source document |
| xxxxxx | 850085 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.41 | 34.74966 | Verified | 1008 approved with 34.22%. |
| xxxxxx | 850085 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850122 | xxxxxx | Cash From Borrower | 0.00 | 187135.22 | Verified | Field value reflects source document |
| xxxxxx | 850122 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.025 | 30.25152 | Verified | 1008 approved with 30.338%. |
| xxxxxx | 850122 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 850127 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850127 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850127 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850127 | xxxxxx | Cash To Borrower | 0.00 | 226847.46 | Verified | Field value reflects source document |
| xxxxxx | 850127 | xxxxxx | Original CLTV | 21.13043 | 79.84196 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 850127 | xxxxxx | Original HLTV | 0 | 21.13043 | Verified | Field value reflects source document |
| xxxxxx | 850130 | xxxxxx | Cash To Borrower | 524204.52 | 526679.64 | Verified | Field value reflects source document |
| xxxxxx | 850130 | xxxxxx | Investor: Qualifying Total Debt Ratio | 8.663 | 11.43309 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 850130 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850132 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850132 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850132 | xxxxxx | Cash From Borrower | 0.00 | 74393.32 | Verified | Field value reflects source document |
| xxxxxx | 850132 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.25 | 31.42111 | Verified | 1008 approved at 30.996%. |
| xxxxxx | 850132 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850170 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850170 | xxxxxx | Cash From Borrower | 0.00 | 401898.70 | Verified | Field value reflects source document |
| xxxxxx | 850170 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.898 | 25.49287 | Verified | Within tolerance. |
| xxxxxx | 850170 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850172 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 850172 | xxxxxx | Cash From Borrower | 0.00 | 296915.13 | Verified | Field value reflects source document |
| xxxxxx | 850172 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25.36 | 39.31084 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 850172 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850175 | xxxxxx | Cash From Borrower | 0.00 | 200610.84 | Verified | Field value reflects source document |
| xxxxxx | 850175 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850183 | xxxxxx | Cash To Borrower | 184614.00 | 174281.19 | Verified | Field value reflects source document |
| xxxxxx | 850183 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850189 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850189 | xxxxxx | Cash To Borrower | 753522.00 | 747474.99 | Verified | Field value reflects source document |
| xxxxxx | 850189 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850190 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850190 | xxxxxx | Cash From Borrower | 0.00 | 236801.69 | Verified | Field value reflects source document |
| xxxxxx | 850190 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850192 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850192 | xxxxxx | Cash From Borrower | 0.00 | 14918.28 | Verified | Field value reflects source document |
| xxxxxx | 850192 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850195 | xxxxxx | Cash From Borrower | 0.00 | 211394.57 | Verified | Field value reflects source document |
| xxxxxx | 850195 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850198 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850198 | xxxxxx | Cash To Borrower | 31160.69 | 28124.58 | Verified | Field value reflects source document |
| xxxxxx | 850198 | xxxxxx | Original HLTV | 0 | 60.85409 | Verified | Field value reflects source document |
| xxxxxx | 850202 | xxxxxx | Cash From Borrower | 0.00 | 200228.95 | Verified | Field value reflects source document |
| xxxxxx | 850202 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850212 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 850212 | xxxxxx | Cash From Borrower | 0.00 | 141527.53 | Verified | Field value reflects source document |
| xxxxxx | 850212 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850233 | xxxxxx | Cash From Borrower | 0.00 | 95547.26 | Verified | Field value reflects source document |
| xxxxxx | 850233 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850239 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 850239 | xxxxxx | Cash From Borrower | 0.00 | 1336.59 | Verified | Field value reflects source document |
| xxxxxx | 850239 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850275 | xxxxxx | Subject Debt Service Coverage Ratio | 1.01 | 1.31 | Verified | Monthly rent $1,700/PITIA of $1,296.16 =1.31 DSCR |
| xxxxxx | 850277 | xxxxxx | Original CLTV | 75 | 71.08516 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850277 | xxxxxx | Original LTV | 75 | 71.08516 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850277 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850280 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850280 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 850280 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 850280 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850280 | xxxxxx | Subject Debt Service Coverage Ratio | 1.23 | 1.22 | Verified | Rounding Factor |
| xxxxxx | 850285 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850285 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 850285 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 850285 | xxxxxx | Representative FICO | 688 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850285 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850285 | xxxxxx | Subject Debt Service Coverage Ratio | 0.84 | 0.83 | Verified | DSCR mismatch due to Round-off value. |
| xxxxxx | 850292 | xxxxxx | Representative FICO | 781 | 783 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850292 | xxxxxx | Subject Debt Service Coverage Ratio | 0.38 | 0.78 | Verified | DSCR Used Market rent $1,650/PITIA of $2,105.39=0.78 |
| xxxxxx | 850297 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850298 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850298 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850298 | xxxxxx | Original CLTV | 65 | 62.11111 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850298 | xxxxxx | Original LTV | 65 | 62.11111 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850298 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850298 | xxxxxx | Subject Debt Service Coverage Ratio | 1.14 | 1.11 | Verified | DSCR mismatch due to HOA fee for condominium property. |
| xxxxxx | 850299 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850300 | xxxxxx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 850300 | xxxxxx | Subject Debt Service Coverage Ratio | 1.57 | 1.53 | Verified | DSCR: $4,350 / PITIA $2,837.10 = 1.53. Lease for one of the units not used. Subject is a purchase and lease is not on the borrower's name |
| xxxxxx | 850301 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850301 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850301 | xxxxxx | Subject Debt Service Coverage Ratio | 0.92 | 0.97 | Verified | Field value reflects source document |
| xxxxxx | 850302 | xxxxxx | Representative FICO | 707 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850302 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850302 | xxxxxx | Subject Debt Service Coverage Ratio | 0.84 | 0.83 | Verified | Field value reflects source document |
| xxxxxx | 850303 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850303 | xxxxxx | Representative FICO | 750 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850303 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850305 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850305 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850307 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850307 | xxxxxx | Subject Debt Service Coverage Ratio | 0.93 | 0.92 | Verified | Field value reflects source document |
| xxxxxx | 850309 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850309 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850309 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850309 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 1.21 | Verified | DSCR=$2,000/$1,652.67=1.21 |
| xxxxxx | 850313 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850313 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.571 | 37.13933 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 850315 | xxxxxx | Original CLTV | 22.029 | 20.26667 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 850315 | xxxxxx | Original LTV | 22.029 | 20.26667 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 850315 | xxxxxx | Subject Debt Service Coverage Ratio | 0.99 | 1.06 | Verified | DSCR Used Market rent $6000/PITIA of $5,636.13=1.06. Market rent from ADU not used. No DSCR calculation provided in loan file to determine cause for discrepancy |
| xxxxxx | 850316 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850316 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 850316 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 850317 | xxxxxx | Subject Debt Service Coverage Ratio | 1.08 | 1.07 | Verified | Due to Rounding. |
| xxxxxx | 850318 | xxxxxx | Subject Debt Service Coverage Ratio | 1.19 | 1.18 | Verified | Due to rounding |
| xxxxxx | 850323 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850323 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850323 | xxxxxx | Subject Debt Service Coverage Ratio | 0.94 | 0.96 | Verified | DSCR mismatch Due to round-off value. |
| xxxxxx | 850334 | xxxxxx | Cash From Borrower | 0.00 | 146368.88 | Verified | Field value reflects source document |
| xxxxxx | 850334 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850460 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850460 | xxxxxx | Cash From Borrower | 0.00 | 352349.47 | Verified | Field value reflects source document |
| xxxxxx | 850460 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25 | 29.32869 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850460 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850509 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850509 | xxxxxx | Cash From Borrower | 0.00 | 72978.03 | Verified | Field value reflects source document |
| xxxxxx | 850509 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 850542 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850542 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 850542 | xxxxxx | Cash From Borrower | 0.00 | 5165.25 | Verified | Field value reflects source document |
| xxxxxx | 850542 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.62 | 31.02193 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850542 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850550 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850550 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850550 | xxxxxx | Cash To Borrower | 244640.00 | 242874.49 | Verified | Field value reflects source document |
| xxxxxx | 850550 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.9 | 25.51133 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850550 | xxxxxx | Original HLTV | 0 | 74.98986 | Verified | Field value reflects source document |
| xxxxxx | 850552 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850552 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 850552 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850552 | xxxxxx | Cash To Borrower | 266882.00 | 264718.99 | Verified | Field value reflects source document |
| xxxxxx | 850552 | xxxxxx | Original HLTV | 0 | 74.98989 | Verified | Field value reflects source document |
| xxxxxx | 850553 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850553 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850553 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850553 | xxxxxx | Cash To Borrower | 221827.00 | 220250.71 | Verified | Field value reflects source document |
| xxxxxx | 850553 | xxxxxx | Original HLTV | 0 | 74.99016 | Verified | Field value reflects source document |
| xxxxxx | 850594 | xxxxxx | Cash From Borrower | 0.00 | 518030.14 | Verified | Field value reflects source document |
| xxxxxx | 850594 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850614 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850614 | xxxxxx | Representative FICO | 758 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850614 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850614 | xxxxxx | Cash From Borrower | 0.00 | 272585.73 | Verified | Field value reflects source document |
| xxxxxx | 850614 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.898 | 36.85769 | Verified | 1008 approved with 37.607%. |
| xxxxxx | 850614 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850662 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850662 | xxxxxx | Cash From Borrower | 0.00 | 463812.96 | Verified | Field value reflects source document |
| xxxxxx | 850662 | xxxxxx | Original HLTV | 0 | 66.79883 | Verified | Field value reflects source document |
| xxxxxx | 850672 | xxxxxx | Cash From Borrower | 0.00 | 140076.30 | Verified | Field value reflects source document |
| xxxxxx | 850672 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850723 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850723 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 850723 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 850723 | xxxxxx | Cash From Borrower | 0.00 | 45374.47 | Verified | Field value reflects source document |
| xxxxxx | 850723 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 850746 | xxxxxx | Cash From Borrower | 0.00 | 182359.10 | Verified | Field value reflects source document |
| xxxxxx | 850746 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850772 | xxxxxx | Representative FICO | 697 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850772 | xxxxxx | Cash From Borrower | 0.00 | 61929.34 | Verified | Field value reflects source document |
| xxxxxx | 850772 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 850799 | xxxxxx | Representative FICO | 751 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850799 | xxxxxx | Cash From Borrower | 0.00 | 455592.11 | Verified | Field value reflects source document |
| xxxxxx | 850799 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850812 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850812 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 850812 | xxxxxx | Cash From Borrower | 0.00 | 165086.31 | Verified | Field value reflects source document |
| xxxxxx | 850812 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 850813 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850813 | xxxxxx | Cash To Borrower | 497468.00 | 496868.84 | Verified | Field value reflects source document |
| xxxxxx | 850813 | xxxxxx | Original CLTV | 54.63918 | 58.88889 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850813 | xxxxxx | Original LTV | 54.63918 | 58.88889 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850813 | xxxxxx | Original HLTV | 0 | 58.88889 | Verified | Field value reflects source document |
| xxxxxx | 850817 | xxxxxx | Cash From Borrower | 0.00 | 83699.90 | Verified | Field value reflects source document |
| xxxxxx | 850817 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850819 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850819 | xxxxxx | Cash From Borrower | 0.00 | 123271.30 | Verified | Field value reflects source document |
| xxxxxx | 850819 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850855 | xxxxxx | Representative FICO | 796 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850855 | xxxxxx | Cash To Borrower | 510000.00 | 499727.87 | Verified | Field value reflects source document |
| xxxxxx | 850855 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.02 | 46.67402 | Verified | 1008 approved at 41.936%. |
| xxxxxx | 850855 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850865 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850865 | xxxxxx | Cash From Borrower | 0.00 | 111815.73 | Verified | Field value reflects source document |
| xxxxxx | 850865 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.377 | 45.8491 | Verified | 1008 approved with 45.849%. |
| xxxxxx | 850865 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850883 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850883 | xxxxxx | Cash From Borrower | 0.00 | 164248.71 | Verified | Field value reflects source document |
| xxxxxx | 850883 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 850964 | xxxxxx | Cash From Borrower | 0.00 | 142294.26 | Verified | Field value reflects source document |
| xxxxxx | 850964 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.445 | 26.73733 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850964 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 850969 | xxxxxx | Cash From Borrower | 0.00 | 180900.20 | Verified | Field value reflects source document |
| xxxxxx | 850969 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.939 | 28.94835 | Verified | 1008 approved with 29.120%. |
| xxxxxx | 850969 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850982 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850982 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850982 | xxxxxx | Cash To Borrower | 29129.96 | 31850.05 | Verified | Field value reflects source document |
| xxxxxx | 850982 | xxxxxx | Original HLTV | 0 | 64.95238 | Verified | Field value reflects source document |
| xxxxxx | 850989 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850989 | xxxxxx | Cash To Borrower | 321969.04 | 295273.42 | Verified | Field value reflects source document |
| xxxxxx | 850989 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851003 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 851003 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 851003 | xxxxxx | Original CLTV | 78.26087 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 851003 | xxxxxx | Original LTV | 78.26087 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 851003 | xxxxxx | Cash From Borrower | 0.00 | 56252.32 | Verified | Field value reflects source document |
| xxxxxx | 851003 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851042 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851075 | xxxxxx | Original Interest Rate | 7.125 | 7 | Verified | Field Value reflects the Note value |
| xxxxxx | 851075 | xxxxxx | Cash From Borrower | 0.00 | 608610.08 | Verified | Field value reflects source document |
| xxxxxx | 851075 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.76 | 33.51679 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 851075 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851084 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851084 | xxxxxx | Cash To Borrower | 439068.64 | 438947.06 | Verified | Field value reflects source document |
| xxxxxx | 851084 | xxxxxx | Product Description | Investor Solutions DSCR s | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851084 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 851085 | xxxxxx | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 851085 | xxxxxx | Cash From Borrower | 0.00 | 108034.92 | Verified | Field value reflects source document |
| xxxxxx | 851085 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851305 | xxxxxx | Cash From Borrower | 0.00 | 172039.14 | Verified | Field value reflects source document |
| xxxxxx | 851305 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851330 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 851330 | xxxxxx | Cash To Borrower | 0.00 | 3425.51 | Verified | Field value reflects source document |
| xxxxxx | 851330 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.73 | 31.23413 | Verified | Lender used higher credit debt than was provided. |
| xxxxxx | 851330 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851354 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 851354 | xxxxxx | Original Interest Rate | 7 | 6.99 | Verified | Field Value reflects the Note value |
| xxxxxx | 851354 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851354 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851354 | xxxxxx | Cash From Borrower | 0.00 | 148271.86 | Verified | Field value reflects source document |
| xxxxxx | 851354 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851449 | xxxxxx | Cash To Borrower | 0.00 | 1452.98 | Verified | Field value reflects source document |
| xxxxxx | 851449 | xxxxxx | Original HLTV | 0 | 74.66216 | Verified | Field value reflects source document |
| xxxxxx | 851465 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851465 | xxxxxx | Cash From Borrower | 0.00 | 219678.51 | Verified | Field value reflects source document |
| xxxxxx | 851465 | xxxxxx | Original HLTV | 0 | 69.92806 | Verified | Field value reflects source document |
| xxxxxx | 851489 | xxxxxx | Cash From Borrower | 0.00 | 278063.65 | Verified | Field value reflects source document |
| xxxxxx | 851489 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.786 | 36.25807 | Verified | 1008 approved with 36.258%. |
| xxxxxx | 851489 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 851519 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851519 | xxxxxx | Cash From Borrower | 0.00 | 46968.99 | Verified | Field value reflects source document |
| xxxxxx | 851519 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.875 | 38.7852 | Verified | Lender used lower income than was provided in the file. |
| xxxxxx | 851519 | xxxxxx | Original HLTV | 0 | 89.99988 | Verified | Field value reflects source document |
| xxxxxx | 851593 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 851593 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 851593 | xxxxxx | Representative FICO | 753 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 851593 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851594 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.209 | 44.54346 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 851612 | xxxxxx | Cash To Borrower | 506613.00 | 471573.06 | Verified | Field value reflects source document |
| xxxxxx | 851612 | xxxxxx | Original HLTV | 0 | 74.99444 | Verified | Field value reflects source document |
| xxxxxx | 851627 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 851627 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851627 | xxxxxx | Cash To Borrower | 1950000.00 | 1923700.44 | Verified | Field value reflects source document |
| xxxxxx | 851627 | xxxxxx | Original HLTV | 0 | 53.47594 | Verified | Field value reflects source document |
| xxxxxx | 851638 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851638 | xxxxxx | Representative FICO | 755 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 851638 | xxxxxx | Cash From Borrower | 0.00 | 58224.24 | Verified | Field value reflects source document |
| xxxxxx | 851638 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 851667 | xxxxxx | Cash From Borrower | 0.00 | 331218.65 | Verified | Field value reflects source document |
| xxxxxx | 851667 | xxxxxx | Original HLTV | 0 | 58.84885 | Verified | Field value reflects source document |
| xxxxxx | 851717 | xxxxxx | Cash From Borrower | 0.00 | 96077.50 | Verified | Field value reflects source document |
| xxxxxx | 851717 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 851777 | xxxxxx | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851777 | xxxxxx | # of Units | 1 | 3 | Verified | Field value reflects source document |
| xxxxxx | 851777 | xxxxxx | Product Description | Agency AUS Conf Bal | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851777 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 851777 | xxxxxx | Cash From Borrower | 0.00 | 174235.07 | Verified | Field value reflects source document |
| xxxxxx | 851777 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 42.16844 | Verified | Within tolerance. |
| xxxxxx | 851777 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851795 | xxxxxx | Cash To Borrower | 900000.00 | 831371.71 | Verified | Field value reflects source document |
| xxxxxx | 851795 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851839 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851839 | xxxxxx | Cash From Borrower | 0.00 | 40165.66 | Verified | Field value reflects source document |
| xxxxxx | 851839 | xxxxxx | Original HLTV | 0 | 43.16547 | Verified | Field value reflects source document |
| xxxxxx | 851842 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851842 | xxxxxx | Cash From Borrower | 0.00 | 434148.43 | Verified | Field value reflects source document |
| xxxxxx | 851842 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851844 | xxxxxx | Cash From Borrower | 0.00 | 31852.56 | Verified | Field value reflects source document |
| xxxxxx | 851844 | xxxxxx | Original HLTV | 0 | 74.62687 | Verified | Field value reflects source document |
| xxxxxx | 851845 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851845 | xxxxxx | Cash From Borrower | 0.00 | 113167.04 | Verified | Field value reflects source document |
| xxxxxx | 851845 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851847 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851847 | xxxxxx | Cash From Borrower | 0.00 | 108944.58 | Verified | Field value reflects source document |
| xxxxxx | 851847 | xxxxxx | Original HLTV | 0 | 52.63158 | Verified | Field value reflects source document |
| xxxxxx | 851868 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 851868 | xxxxxx | Cash From Borrower | 0.00 | 189751.42 | Verified | Field value reflects source document |
| xxxxxx | 851868 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.4 | 48.7945 | Verified | Field Value DTI is within tolerance of the 1008 DTI 47.30%. |
| xxxxxx | 851868 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851875 | xxxxxx | Cash From Borrower | 0.00 | 108542.87 | Verified | Field value reflects source document |
| xxxxxx | 851875 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851876 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851876 | xxxxxx | Cash From Borrower | 0.00 | 13319.57 | Verified | Field value reflects source document |
| xxxxxx | 851876 | xxxxxx | Original HLTV | 0 | 69.89247 | Verified | Field value reflects source document |
| xxxxxx | 851891 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851891 | xxxxxx | Cash From Borrower | 0.00 | 637612.55 | Verified | Field value reflects source document |
| xxxxxx | 851891 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 852129 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 852129 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852129 | xxxxxx | Cash From Borrower | 0.00 | 330602.92 | Verified | Field value reflects source document |
| xxxxxx | 852129 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.089 | 25.05119 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852129 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 852152 | xxxxxx | Representative FICO | 775 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 852159 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852161 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852164 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852169 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852172 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852172 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852172 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12.077 | 16.45954 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 852249 | xxxxxx | Cash To Borrower | 279096.00 | 275085.79 | Verified | Field value reflects source document |
| xxxxxx | 852249 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 852270 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852270 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 852270 | xxxxxx | Cash To Borrower | 144180.00 | 135373.92 | Verified | Field value reflects source document |
| xxxxxx | 852270 | xxxxxx | Product Description | Closed End Seconds | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852270 | xxxxxx | Original HLTV | 0 | 14.42308 | Verified | Field value reflects source document |
| xxxxxx | 852276 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852276 | xxxxxx | Cash To Borrower | 1.00 | 325736.25 | Verified | Field value reflects source document |
| xxxxxx | 852276 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.647 | 27.04181 | Verified | Lower income that was provided in the file. Lender used 60% ownership and CPA letter states 100%. |
| xxxxxx | 852276 | xxxxxx | Original HLTV | 0 | 74.97143 | Verified | Field value reflects source document |
| xxxxxx | 852393 | xxxxxx | Cash From Borrower | 0.00 | 201320.89 | Verified | Field value reflects source document |
| xxxxxx | 852393 | xxxxxx | Original HLTV | 0 | 57.89474 | Verified | Field value reflects source document |
| xxxxxx | 852396 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852396 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852396 | xxxxxx | Cash From Borrower | 0.00 | 74737.98 | Verified | Field value reflects source document |
| xxxxxx | 852396 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852400 | xxxxxx | Cash From Borrower | 0.00 | 507300.56 | Verified | Field value reflects source document |
| xxxxxx | 852400 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852404 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852404 | xxxxxx | Cash To Borrower | 11534.00 | 11413.52 | Verified | Field value reflects source document |
| xxxxxx | 852404 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 852412 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852412 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 852412 | xxxxxx | Cash From Borrower | 0.00 | 128359.84 | Verified | Field value reflects source document |
| xxxxxx | 852412 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852413 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852413 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 852413 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 852413 | xxxxxx | Cash From Borrower | 0.00 | 201520.61 | Verified | Field value reflects source document |
| xxxxxx | 852413 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.8 | 39.12181 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 852413 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852414 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 852414 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852414 | xxxxxx | Cash From Borrower | 0.00 | 306992.11 | Verified | Field value reflects source document |
| xxxxxx | 852414 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.4 | 7.60894 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852414 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852732 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852923 | xxxxxx | Cash From Borrower | 0.00 | 246738.72 | Verified | Field value reflects source document |
| xxxxxx | 852923 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852932 | xxxxxx | Cash From Borrower | 0.00 | 255093.64 | Verified | Field value reflects source document |
| xxxxxx | 852932 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852949 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 852949 | xxxxxx | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 852949 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 852949 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852949 | xxxxxx | Cash From Borrower | 0.00 | 236755.07 | Verified | Field value reflects source document |
| xxxxxx | 852949 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852950 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852950 | xxxxxx | Cash From Borrower | 0.00 | 117975.24 | Verified | Field value reflects source document |
| xxxxxx | 852950 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 853272 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853272 | xxxxxx | Representative FICO | 784 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 853272 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 853272 | xxxxxx | Cash From Borrower | 0.00 | 326264.28 | Verified | Field value reflects source document |
| xxxxxx | 853272 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 853856 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 853856 | xxxxxx | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 853856 | xxxxxx | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 853856 | xxxxxx | Cash From Borrower | 0.00 | 177817.46 | Verified | Field value reflects source document |
| xxxxxx | 853856 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC EXC** **EPTION GRADES**

![](tm2534371d1_ex99-3img001.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **Kroll Initial Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 833590 | xxxxxx | 34404529 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-10-08): Received Business Purpose Certificate. Exception cleared. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833590 | xxxxxx | 34404530 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Cert not provided |  | Reviewer Comment (2025-10-08): Received Business Purpose Certificate. Exception cleared. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838307 | xxxxxx | 33619850 | xxxxxx | 06/13/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33620040 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provided the receipt of gift funds for $47,000 and $3,500. |  | Reviewer Comment (2025-06-23): Updated gift letters and receipts provided | 06/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33621399 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Provide the AUS dated at or prior to closing. AUS provided is post-close. |  | Reviewer Comment (2025-06-27): Preclose AUS provided<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again.<br>Reviewer Comment (2025-06-23): The AUS provided is dated xxxxxx which is post close. Loan closed xxxxxx . Provide the pre-close AUS. | 06/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33621643 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33621739 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622358 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $12,819.96 may be required. | Loan Estimate not provided. |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622359 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $23.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75197) | Title - Recording Service Fee was not disclosed on the Loan Estimate as Loan Estimate not provided, but was disclosed as $23.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $23.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | B | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622360 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $32.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) | Document Preparation Fee was not disclosed on the Loan Estimate as Loan Estimate not provided, but was disclosed as $32.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $32.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | B | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622361 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $310.00 exceeds tolerance of $250.00. Insufficient or no cure was provided to the borrower. (7568) | Title - Notary Fee was last disclosed as $250.00 on the Final CD, but was disclosed as $310.00 on the Post Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $60.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | B | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622366 | xxxxxx | 06/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-23): FTP provided | 06/23/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622372 | xxxxxx | 06/13/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-23): E-consent provided | 06/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622392 | xxxxxx | 06/13/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-23): FTP provided | 06/23/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622395 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-06-29): PDI received dated xxxxxx : No Damage<br>Reviewer Comment (2025-06-27): PDI will be ordered<br>Reviewer Comment (2025-06-23): None of the documents attached clear the condition. Appraisal was completed in xxxxxx and disaster occurred in xxxxxx. PDI required. | 06/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33622411 | xxxxxx | 06/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-23): Full appraisal provided. Updated AUS no appraisal waiver. | 06/23/2025 |  |  | 1 | D A B | D A | C | A D | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33639349 | xxxxxx | 06/13/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 was not provided. Utilized application date from Fraud Report. |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33726682 | xxxxxx | 06/23/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-27): CU reports provided with 1.5 and 1.0 scores from xxxxxx and xxxxxx.<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again. | 06/27/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33726753 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The gift letters and receipt of funds for the $3,500 dated post-close. |  | Reviewer Comment (2025-06-27): Loan is NonQM. | 06/27/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D B C | B | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33726754 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | The gift letters and receipt of funds for the $3,500 dated post-close. |  | Reviewer Comment (2025-06-27): Client elects to waive<br>Reviewer Comment (2025-06-27): Regraded to xxxxxx-B based on sufficient compensating factors. |  |  | 06/27/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33726755 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The gift letters and receipt of funds for the $3,500 dated post-close. |  | Reviewer Comment (2025-06-27): Loan is NonQM. | 06/27/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33726759 | xxxxxx | 06/23/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $455.35 is less than AUS Available for Reserves of $3,432.00. | Receipt for actual gifts provided post-review. The $5,000 gift was for the EMD and cannot double count. The xxxxxx 30 days account was removed from assets. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-06-27): Client elect to waive with verified compensation factors |  |  | 06/27/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33726761 | xxxxxx | 06/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of $45,578.62 is less than AUS qualifying asset balance of $46,900.07. | Receipt for actual gifts provided post-review. The $5,000 gift was for the EMD and cannot double count. The xxxxxx 30 days account was removed from assets. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-06-27): Client elect to waive with verified compensation factors<br>Reviewer Comment (2025-06-27): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated qualifying asset balance of $45,578.62 is less than AUS qualifying asset balance of $45,813.66. |  |  | 06/27/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838307 | xxxxxx | 33797170 | xxxxxx | 06/27/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + xxxxxx - 2 Days |  | Reviewer Comment (2025-06-29): PDI received<br>Reviewer Comment (2025-06-29): Valuation Received - xxxxxx  | 06/29/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | D B C | B | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840209 | xxxxxx | 34236228 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. |  | Reviewer Comment (2025-09-11): Received recorded DOT with notary date, LOE from notary on date, LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2025-08-21): The LOE is provided to the attorney vs borrower. An LOE to borrower with LOI is required along with evidence of delivery to the borrower. Further, the lender cannot just add the notary date (which was typed in) to the existing DOT. A xxxxxx affidavit signed by the notary will be required with date of signing. | 09/11/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840454 | xxxxxx | 34310299 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement reflects Managing Member. Must be signed as an individual. |  | Reviewer Comment (2025-10-06): Individual GA provided | 10/06/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840454 | xxxxxx | 34310312 | xxxxxx | 08/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Security Instrument was re-executed post-close to add LLC name to signature line. Provide the LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-10-06): Received LOE to borrower, lender's LOI and evidence of delivery to the borrower. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841015 | xxxxxx | 34312127 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-04): Approval provided | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841015 | xxxxxx | 34312129 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Per the OA, the Unanimous Consent of the members shall be required to transact business. (8.01 (b)) |  | Reviewer Comment (2025-10-09): Received Corporate Resolution. Exception cleared.<br>Reviewer Comment (2025-10-07): Received the Operating Agreement is already on file. However, the Guaranty Agreement is missing on the file making it unclear whether there is a single or both guarantors for the loan. Therefore, corporate resolution is required. Exception remains. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841015 | xxxxxx | 34312131 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide the signed and executed Guarantor Agreement for both Guarantors that signed the Note. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-16): GA agreement was provided only reflecting 1 guarantor, xxxxxx. The GA agreement is executed post-close. Guidelines require the GA to be executed at closing. |  |  | 10/21/2025 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841015 | xxxxxx | 34320502 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Two individuals executed the Note, however only 1 individual has credit documents. xxxxxx. does not have any credit documents in file. (Guarantor Agreement not provided). |  | Reviewer Comment (2025-10-16): GA agreement was provided only reflecting 1 guarantor, xxxxxx. Documents not required for xxxxxx.<br>Reviewer Comment (2025-10-07): There is no signed Guarantor Agreement in file and xxxxxx signed the Note. One the Guarantor Agreement is provided signed at closing, we can re-review for clearance. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841669 | xxxxxx | 34511648 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for 43% occupancy on short term rental when guidelines require an occupancy rate greater than 45%; however, compensating factors provided are not valid. Please provide valid compensating factors for review. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-10): Waived with compensating factors per lender direction. |  |  | 08/10/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34201498 | xxxxxx | 08/19/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal was not provided for review. Provide the color appraisal. |  | Reviewer Comment (2025-08-22): Received colored appraisal. Exception cleared. | 08/22/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34201541 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx (Note: Appraisal is missing) |  | Reviewer Comment (2025-08-22): Appraisal received. Completed after disaster end date. | 08/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34201542 | xxxxxx | 08/19/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 | The appraisal was not provided for review. Provide the color appraisal. |  | Reviewer Comment (2025-08-22): Received colored appraisal. Exception cleared. | 08/22/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34206498 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (xxxxxx, xxxxxx, etc.) not provided |  | File does not contain the 1007 reflecting STR income and all requirements or the xxxxxx report with all requirements. |  | Reviewer Comment (2025-09-03): Updated 1007 provided<br>Reviewer Comment (2025-08-29): Received appraisal with Short Term Rental Schedule, however per guidelines, the analysis must include the following: ▪ Provide the source of the data used to complete the STR analysis. ▪ Include comparable STR properties, focusing on room count, gross living area (GLA), location, and market appeal. ▪ Include daily rental rate and occupancy percentage. ▪ Factor seasonality and vacancy into the analysis. Exception remains.<br>Reviewer Comment (2025-08-22): Received 1007 reflecting short term rent. However, provide the source of the data used to complete the STR analysis. Exception remains. | 09/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34234893 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 for the borrower's primary residence reflects a xxxxxx residence. Borrower is a Foreign National per approval. Must reflect overseas address as there is no program from Foreign Nationals living in the xxxxxx. |  | Reviewer Comment (2025-08-28): Lender attestation provided<br>Reviewer Comment (2025-08-26): The updated 1003 is not signed, dated or initialed by the borrower. Provide the lender attestation regarding error and why a xxxxxx address was initially listed. Attestation to note lender confirmed borrower is living overseas and not in the xxxxxx.<br>Reviewer Comment (2025-08-25): The same 1003 was provided again. Please review the original condition. The 1003 for the borrower's primary residence reflects a xxxxxx residence. Borrower is a Foreign National per approval. Must reflect overseas address as there is no program from Foreign Nationals living in the xxxxxx.<br>Reviewer Comment (2025-08-20): The same 1003 was provided that was in file at time of review. Please review the original condition. The 1003 for the borrower's primary residence reflects a xxxxxx residence. Borrower is a Foreign National per approval. Must reflect overseas address as there is no program from Foreign Nationals living in the xxxxxx. | 08/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34234913 | xxxxxx | 08/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural property on > 2 acres not allowed on Foreign National. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34235336 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement, on page 1 and signature page reflect "Member". Should be signed as an individual. |  | Reviewer Comment (2025-08-22): Received Guarantor Agreement signed as an individual. Exception cleared. | 08/22/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842434 | xxxxxx | 34044341 | xxxxxx | 07/31/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Subject was listed on xxxxxx and was not withdrawn from market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-12): The client elects to waive.<br>Reviewer Comment (2025-08-04): A termination of listing agreement is a termination between the RE broker and borrower. It is not evidence of listing withdrawal. Provide evidence the property was removed from the xxxxxx at or prior to closing. |  |  | 08/12/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842434 | xxxxxx | 34098877 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Daily rental rate was not provided on STR 1007. |  | Reviewer Comment (2025-08-02): 1007 provided with daily rental rate | 08/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842434 | xxxxxx | 34099024 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  | Reviewer Comment (2025-08-26): Recorded satisfaction of full mortgage provided covering all partial lien releases on title. | 08/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842474 | xxxxxx | 34368835 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for no xxxxxx unit rental comps available per appraiser and utilized SFT for estimated rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842513 | xxxxxx | 34357573 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-09-17): Received updated Fraud report, all red flags addressed. Exception cleared.<br>Reviewer Comment (2025-09-12): Received updated Fraud Report, fraud and OFAC search run on the settlement agent, However there are red flags that are not addressed. Exception remains. | 09/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842513 | xxxxxx | 34357575 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate settlement statement only in file. |  | Reviewer Comment (2025-09-10): Final stamped settlement statement | 09/10/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842538 | xxxxxx | 34164985 | xxxxxx | 08/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Subject property site area is xxxxxx acres which exceeds the max allowed 5 acres. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-17): Client elects to waive with verified compensation factors |  |  | 08/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842538 | xxxxxx | 34165006 | xxxxxx | 08/13/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance policy has city as xxxxxx and the Note has xxxxxx. |  | Reviewer Comment (2025-08-28): Per client, xxxxxx is not party of the City. See the revised exception for corrected documents. | 08/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842538 | xxxxxx | 34165008 | xxxxxx | 08/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA have city as xxxxxx and the Note has xxxxxx. |  | Reviewer Comment (2025-08-28): Per client, xxxxxx is not party of the City. See the revised exception for corrected documents. | 08/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842538 | xxxxxx | 34165011 | xxxxxx | 08/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-09-08): FTP provided | 09/08/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842538 | xxxxxx | 34321080 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per client, the City should not contain "xxxxxx". Provide the corrected and executed Note + any addendums, LOE to borrower and evidence of delivery to the borrower. Also, provide the corrected 1003, corrected title, corrected Flood Cert, and corrected PC-CD. |  | Reviewer Comment (2025-09-06): Received corrected documents, LOE to borrower and evidence of delivery to the borrower. | 09/06/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842538 | xxxxxx | 34321105 | xxxxxx | 08/28/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Per client, the City should not contain "xxxxxx". Provide the corrected and executed DOT + Riders, LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  | Reviewer Comment (2025-09-08): LOI provided<br>Reviewer Comment (2025-09-06): Received corrected documents, LOE to borrower and evidence of delivery to the borrower. Pending receipt of LOI. | 09/08/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842551 | xxxxxx | 34155883 | xxxxxx | 08/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Permanent Resident card in file. On Final 1003, borrower has marked citizenship as xxxxxx, need that corrected to Permanent Resident Alien |  | Reviewer Comment (2025-08-22): Updated 1003 provided | 08/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842551 | xxxxxx | 34155884 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-22): Approval provided | 08/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842551 | xxxxxx | 34155885 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-09-03): Received Business Purpose Certificate. Exception cleared. | 09/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842551 | xxxxxx | 34160555 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-08-22): Received Fraud report including the missing participant. Exception cleared. | 08/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842575 | xxxxxx | 34032517 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,320,431.00 is under disclosed by $9,813.60 compared to the calculated Finance Charge of $1,330,244.60 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,320,431.00; calculated finance charge is $1,330,244.60. Variance is $9,813.60. |  | Reviewer Comment (2025-08-05): Upon further review the Amount Financed was correctly disclosed to consumer | 08/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842575 | xxxxxx | 34032518 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $2,148,758.97 is under disclosed by $9,572.60 compared to the calculated total of payments of $2,158,331.57 which exceeds the $100.00 threshold. (Final xxxxxx) | Final Closing Disclosure disclosed a TOP of $2,148,758.97; calculated TOP is $2,158,331.57. Variance is $9,572.60. |  | Reviewer Comment (2025-08-05): Upon further review finance charge was correctly disclosed to consumer | 08/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842575 | xxxxxx | 34032795 | xxxxxx | 07/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. | Per investor guidelines, max LTV is 90%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-31): Client elects to waive with verified compensation factors |  |  | 07/31/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842577 | xxxxxx | 34375205 | xxxxxx | 09/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Exception for Acreage. Property is xxxxxx acres. Acreage • Property up to 5-acres for DSCR | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors |  |  | 09/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842577 | xxxxxx | 34399180 | xxxxxx | 09/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Exception to allow using the 1007 market rents from a different appraiser. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors |  |  | 09/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842577 | xxxxxx | 34400408 | xxxxxx | 09/12/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert has combined the street name into xxxxxx. Whereas the Note is separate xxxxxx. |  | Reviewer Comment (2025-09-16): Updated flood cert provided | 09/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842793 | xxxxxx | 34370037 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-18): Received Approval. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842793 | xxxxxx | 34370043 | xxxxxx | 09/11/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-09-18): Received Title Supplement. Exception cleared. | 09/18/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842915 | xxxxxx | 34367423 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-15): Approval provided | 09/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842915 | xxxxxx | 34367426 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 654 is less than Guideline representative FICO score of 700. | < 1.00 DSCR, minimum 700 FICO for 75% LTV purchase. |  | Reviewer Comment (2025-09-15): Per client and per guidelines, if 2 months rent receipt are in file on a purchase, even to property seller's account and leases not being transferred, up to 120% rents apply. | 09/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842915 | xxxxxx | 34395875 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | AVM is from xxxxxx with a score of 0.11. xxxxxx is not an approved vendor. |  | Reviewer Comment (2025-09-15): CDA provided<br>Reviewer Comment (2025-09-15): Client requested cancellation for the CDA order request | 09/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843035 | xxxxxx | 34075698 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage(s) Not Reporting on Credit Report for Subject xxxxxx - 1) Mortgage statement or Note for the review period to verify monthly payment amount 2)12-months Verification of Mortgage form (VOM) completed by the creditor/servicer 3)Proof of borrower's payment for the most recent 6-months is required | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-09-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-28): The LOE is not acceptable. Further the settlement statement is not being requested. A copy of the Note to verify no monthly payments is being requested. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-08-20): The only item provided was an vendor's lien warranty deed which is not a Note. An LOE from the vendor is not acceptable. Provide a copy of the Note to verify no monthly payments on this loan.<br>Reviewer Comment (2025-08-12): Received Warranty Deed with Vendor's lien. Please provide Promissory Note to verify the terms of the lien. Also, provide VOM. If borrower is making any payments then provide proof of borrower's payment for the most recent 6-months. Exception remains. |  |  | 09/05/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843035 | xxxxxx | 34095796 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 683 is less than Guideline representative FICO score of 700. | Investor exception to allow for 683 FICO. Minimum required for Rural property is 700 per matrix. (To Note, the guidelines do not allow rural properties. Conflicting information between guidelines and matrix). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-08-21): Client elects to waive with verified compensation factors |  |  | 08/21/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843041 | xxxxxx | 34243740 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be signed at closing |  | Reviewer Comment (2025-09-22): Received executed copy of Guarantor Agreement. Exception cleared. | 09/22/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843220 | xxxxxx | 34232033 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-08-06): Cleared with Articles of Organization. | 08/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843265 | xxxxxx | 34855786 | xxxxxx | 07/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $11,100. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-10-14): Waived with compensating factors per lender direction.<br>Reviewer Comment (2025-09-16): The document referenced appears to be an estimate and is not a valid contract. Provide an updated declaration page with increased insurance or proof of 100% replacement cost.<br>Reviewer Comment (2025-08-04): Wind/hail coverage is not an additional amount to the total of insurance. Increased coverage or RCE required for review of this condition. |  |  | 10/14/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843265 | xxxxxx | 34855787 | xxxxxx | 07/28/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 0.00 | Provide evidence of the open Judgment from City of xxxxxx has been satisfied and released or dismissed. |  | Reviewer Comment (2025-08-04): Received paid in full letter from original creditor. | 08/04/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843315 | xxxxxx | 34232018 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved for exception ,balloon payment due xxxxxx . closing in June with 60 days late.<br> Compensating factor: FICO is 801,LTV is greater than 10% allowable and borrower has owned property since xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-31): Waived with compensating factors per lender exception approval at origination. |  |  | 07/31/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843315 | xxxxxx | 34232019 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC is missing for the borrowing entity. |  | Reviewer Comment (2025-07-31): Cleared with OFAC. | 07/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843613 | xxxxxx | 34360468 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | Please provide Conveyances to Foreign Entities – By Entity Buyer. |  | Reviewer Comment (2025-09-18): Received Citizenship Affidavit. Exception cleared.<br>Reviewer Comment (2025-09-11): Foreign National Guarantors purchasing in xxxxxx require this document. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843613 | xxxxxx | 34360499 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-09-15): Received updated Fraud report, fraud and OFAC search run on the seller. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843613 | xxxxxx | 34392160 | xxxxxx | 09/10/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per Appraisal ,Flood Zone is xxxxxx and property is under FEMA Flood Hazard Area, however per the Flood certificate Flood Zone is xxxxxx and property is not under Special Flood Area. Please provide the updated appraisal. |  | Reviewer Comment (2025-09-18): Received updated Appraisal. Exception cleared. | 09/18/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843613 | xxxxxx | 34392211 | xxxxxx | 09/10/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $5,000.00 is less than Cash From Borrower $96,640.80. | Funds to close must be transferred to a xxxxxx account if the overseas financial institution does not have xxxxxx branches / is not FDIC insured. Neither bank has xxxxxx branches / is FDIC insured, therefore can only be used for reserves per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-15): The wire provided is dated post-close and not acceptable.<br>Reviewer Comment (2025-09-11): This is not a mistake and only the EMD was allowed to be included. Please review the original condition comments regarding foreign accounts. Funds to close must be transferred to a xxxxxx account if the overseas financial institution does not have xxxxxx branches / is not FDIC insured. Neither bank has xxxxxx branches / is FDIC insured, therefore can only be used for reserves per guidelines. |  |  | 09/19/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843724 | xxxxxx | 34262313 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing |  | Reviewer Comment (2025-08-18): cleared with Fraud Report. | 08/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843724 | xxxxxx | 34262314 | xxxxxx | 08/12/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report is missing .. exception already raise |  | Reviewer Comment (2025-08-18): cleared with Fraud Report. | 08/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843724 | xxxxxx | 34262315 | xxxxxx | 08/12/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 645 is less than Guideline representative FICO score of 660. | Lender approved exception to allow FICO of 645 versus program minimum FICO of 660 with DSCR 1.00 on a cash-out transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-08): Waived with compensating factors per lender exception approval at origination. |  |  | 08/08/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843724 | xxxxxx | 34262316 | xxxxxx | 08/12/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  | Reviewer Comment (2025-08-18): cleared with NOO cert. | 08/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843742 | xxxxxx | 34251326 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-09-03): Received updated Fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 09/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843742 | xxxxxx | 34272995 | xxxxxx | 08/25/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $37,455.36 is less than Cash From Borrower $112,326.28. | Foreign account funds not transferred to a xxxxxx account or with no xxxxxx branches / FDIC insured can only be used for reserves. |  | Reviewer Comment (2025-09-24): Wire for funds to close provided | 09/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843775 | xxxxxx | 34253183 | xxxxxx | 08/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Loan is closing in the name of an LLC, Guidelines states business purpose for LLC must be managing rental properties. Borrowers LLC shows business purpose as property flipping | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-25): Client elects to waive with verified compensation factors |  |  | 08/25/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843775 | xxxxxx | 34253187 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  | Borrowing Entity is owned 100% by xxxxxx. Provide the Articles of Inc. |  | Reviewer Comment (2025-09-02): Received filed Articles of Incorporation for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-27): Received the same document Articles of Incorporation. Provide Articles of Incorporation for xxxxxx. Exception remains. | 09/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843775 | xxxxxx | 34253198 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Borrowing Entity is owned 100% by xxxxxx. Bylaws in file are not executed. |  | Reviewer Comment (2025-09-04): Received executed copy of Bylaw for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-27): Received the same document Bylaws. Provide executed copy of Bylaw for xxxxxx. Exception remains. | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843775 | xxxxxx | 34253200 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Borrowing Entity is owned 100% by xxxxxx. Provide the EIN. |  | Reviewer Comment (2025-09-04): Received Employer Identification Number (EIN) for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-27): Received the same Employer Identification Number (EIN) document. Provide Employer Identification Number (EIN) document for xxxxxx. Exception remains. | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843775 | xxxxxx | 34280565 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Borrowing Entity is owned 100% by xxxxxx. Provide the COGS. |  | Reviewer Comment (2025-09-02): Received Certificate of good standing for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-27): Received the same Certificate of Good Standing document. Provide Certificate of Good Standing for xxxxxx. Exception remains. | 09/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843775 | xxxxxx | 34280626 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent / Corp Res required by Bylaws. |  | Reviewer Comment (2025-09-12): The client is accepting the bylaws and LOE for proof.<br>Reviewer Comment (2025-09-08): Received LOX, however the document requested is for the Corporate Resolution for the borrowing business. Exception remains.<br>Reviewer Comment (2025-08-27): Received the same Entity document which was provided earlier. Provide Corporate Resolution for xxxxxx. Exception remains. | 09/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843795 | xxxxxx | 34511657 | xxxxxx | 08/07/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Per the title commitment, and payoff provided in the file, the total payoff is $xxxxxx; however, the final closing statement only reflects $xxxxxx as a payoff amount. Please provide evidence prior mortgage satisfied at or before closing. |  | Reviewer Comment (2025-08-28): Final title provided, exception cleared.<br>Reviewer Comment (2025-08-23): We will need evidence that the lien has been satisfied/released (can be LOA from settlement agent or clear final title policy) for review of this condition. | 08/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843812 | xxxxxx | 34368933 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-12): Received Eligibility Review with conditions. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843812 | xxxxxx | 34368972 | xxxxxx | 09/10/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The listing is currently active with a list price of xxxxxx (66 Days on Market) |  | Reviewer Comment (2025-09-16): List price listed on top right corner of cancellation.<br>Reviewer Comment (2025-09-15): Received cancellation, however will need evidence of the last list price at cancellation. The lower of is to be utilized. | 09/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843999 | xxxxxx | 34331050 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-09-09): Per investor accepting alternative form and email<br>Reviewer Comment (2025-09-09): Investor to advise if they are accepting alternative HOA form and additional email answering several questions. Assigned to investor.<br>Reviewer Comment (2025-09-08): Received Property Information Form, however provide the HOA Questionnaire by updating the questions as required by the guidelines. Exception remains. | 09/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843999 | xxxxxx | 34331068 | xxxxxx | 09/04/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-09-10): FTP provided | 09/10/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843999 | xxxxxx | 34331074 | xxxxxx | 09/04/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-09-10): FTP provided | 09/10/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844010 | xxxxxx | 34308325 | xxxxxx | 09/02/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Street Address on Appraisal Report is xxxxxx however on note subject address is xxxxxx |  | Reviewer Comment (2025-09-09): Updated appraisal provided | 09/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844010 | xxxxxx | 34308434 | xxxxxx | 09/02/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | City on Desk Review reflects xxxxxx, whereas the Note reflects xxxxxx |  | Reviewer Comment (2025-09-26): An updated CDA with the correct address was provided<br>Reviewer Comment (2025-09-16): The CDA provided reflects the correct city but now the address is incorrect. Address is xxxxxx vs xxxxxx Unit xxxxxx. | 09/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844010 | xxxxxx | 34308439 | xxxxxx | 09/02/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City on Hazard Insurance is xxxxxx, however on note subject city reflects xxxxxx; |  | Reviewer Comment (2025-10-06): Updated HOI provided<br>Reviewer Comment (2025-09-18): The document provided is the Cert of Liability and not the active hazard dwelling policy. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844010 | xxxxxx | 34319957 | xxxxxx | 09/02/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | Please provide Hazard Insurance premium as provided document does not contain a premium amount. |  | Reviewer Comment (2025-09-05): Received HOI policy reflecting the insurance premium. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844022 | xxxxxx | 34395485 | xxxxxx | 09/15/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects old mortgagee + ISAOA |  | Reviewer Comment (2025-09-16): Updated HOI provided. Per client, accepts mortgagee updates post-close. | 09/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844102 | xxxxxx | 34236368 | xxxxxx | 08/19/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | City reflects xxxxxx vs. xxxxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844102 | xxxxxx | 34236369 | xxxxxx | 08/19/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City reflects xxxxxx vs. xxxxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844102 | xxxxxx | 34236371 | xxxxxx | 08/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City reflects xxxxxx vs. xxxxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844102 | xxxxxx | 34236392 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provided the updated 1003. Per the fraud report, borrower has no ownership in current primary. |  | Reviewer Comment (2025-09-18): Updated 1003 provided<br>Reviewer Comment (2025-09-11): None of the documents clear the condition. Unless it can be proven that the borrower inherited the property from the trust / deceased relative, the updated 1003 will be required.<br>Reviewer Comment (2025-09-02): The LOE is not acceptable. The fraud report reflects the owner of record is xxxxxx vs a Trust. If property is vested in a Trust. the Trust Agreement will need to be provided to support ownership as well as evidence the property is vested in a trust. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844106 | xxxxxx | 34574061 | xxxxxx | 09/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for providing an exception for the square feet being less than 700. As per appraisal report, property is xxxxxx square feet. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844106 | xxxxxx | 34574066 | xxxxxx | 09/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide updated and correct 1003 as borrower was living rent free in xxxxxx property and should be checked on No primary housing expense vs Owned. |  | Reviewer Comment (2025-10-01): Updated 1003 provided | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844106 | xxxxxx | 34591743 | xxxxxx | 09/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Address: Reflects xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-10-08): Email regarding updates from title provided<br>Reviewer Comment (2025-10-08): No new documents were received xxxxxx The previous email provided does not reflect an address update request, only note Final CD and signature line.<br>Reviewer Comment (2025-10-06): No new documents were provided on xxxxxx Please review comments from xxxxxx 7:56am regarding documents uploaded xxxxxx The email provided says it is for the CD requested vs. updates to title as well as all pages of the corrected title were not provided.<br>Reviewer Comment (2025-10-06): The email provided says it is for the CD requested vs. updates to title as well as all pages of the corrected title were not provided.<br>Reviewer Comment (2025-10-01): The full and corrected title policy is required. Further, the incorrect and correct title policies are dated the same. Provide evidence of which was provided last (i.e. email from title with update). | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844106 | xxxxxx | 34591756 | xxxxxx | 09/30/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-10-07): Updated flood cert provided | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844167 | xxxxxx | 34231534 | xxxxxx | 08/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by XX points. | Reviewer Comment (2025-10-29): The client elects to waive.<br>Reviewer Comment (2025-09-30): Appraisal reflects Tenant occupied. Therefore provide lease agreement. Exception remains. |  |  | 10/29/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844167 | xxxxxx | 34231545 | xxxxxx | 08/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report, provide,<br> 24-months Verification of Mortgage (VOM), OR<br> • 12-months mortgage payment history, to be documented by one of the following:<br> • Mortgage statement or Note for the review period to verify monthly payment and 12-months <br> cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower<br> • 12-months loan payment history or Verification of Mortgage from the creditor/servicer <br> ▪ Proof of borrower's payment for the most recent 6-months is required.<br> . 12-months most recent mortgage statements |  | Reviewer Comment (2025-10-19): Received Closing Statement, Deed and Fraud Report to verify property was free and clear. Exception cleared.<br>Reviewer Comment (2025-09-19): Received VOM and Note to support the housing history for subject property. However VOM only supports 11 months of mortgage payments. Per guidelines, 24 months of VOM is required or Mortgage statement or Note for the review period to verify monthly payment and 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower • 12-months loan payment history or Verification of Mortgage from the creditor/servicer ▪ Proof of borrower's payment for the most recent 6-months is required or 12-months most recent mortgage statements. Provide property history report to support that if there are any prior mortgages on the subject property. Exception remains. | 10/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844167 | xxxxxx | 34231599 | xxxxxx | 08/21/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-10-16): Preclose HOI provided<br>Reviewer Comment (2025-09-18): System screen print is not acceptable. Please provide the full active policy at time of closing. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844219 | xxxxxx | 34334132 | xxxxxx | 09/05/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-09-18): Updated HOI provided with updated effective dates. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844219 | xxxxxx | 34343123 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement was signed by xxxxxx as member and must be signed as an individual. |  | Reviewer Comment (2025-09-11): Received Guarantor Agreement was signed by an individual. Exception cleared. | 09/11/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844219 | xxxxxx | 34343340 | xxxxxx | 09/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor Exception to use appraised value over purchase price plus documented improvements. Subject was acquired on xxxxxx and the note date is xxxxxx which is greater than 6 months but < 12 month. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-02): Client elects to waive with verified compensation factors |  |  | 09/02/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844221 | xxxxxx | 34156220 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-20): Approval provided | 08/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844221 | xxxxxx | 34156221 | xxxxxx | 08/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing VOM for subject lien w/ xxxxxx Funding |  | Reviewer Comment (2025-09-12): Received Mortgage Statement and Pay history for the most recent 6 months. Exception cleared.<br>Reviewer Comment (2025-08-22): Received VOM, however the file is missing Mortgage statement or Note, along with proof of borrower's payment for the most recent 6-months. Exception remains. | 09/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844221 | xxxxxx | 34156287 | xxxxxx | 08/12/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Borrower/guarantor must have a history of owning and managing commercial or non-owner occupied residential real estate for at least 1 year in last 3 years. |  | Reviewer Comment (2025-08-20): Track record provided. Experienced investor. | 08/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844232 | xxxxxx | 34639558 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,423.30 exceeds tolerance of $6,939.00. $484.30 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from $6,923.30 on the closing disclosure dated xxxxxx to $7,423.30 on the Closing Disclosure dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-10-13): SitusAMC received valid COC documents | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844232 | xxxxxx | 34662231 | xxxxxx | 10/08/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Per the Final CD, the gift of Equity is $167, 5000. Gift Letter reflects $205,000. Provide the corrected gift letter. |  | Reviewer Comment (2025-10-20): Received corrected gift letter. Exception cleared. | 10/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844232 | xxxxxx | 34662465 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  | Reviewer Comment (2025-10-13): SitusAMC received valid COC documents | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844271 | xxxxxx | 34351794 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the OA or Borrowing Cert |  | Reviewer Comment (2025-09-15): Received executed copy of Borrowing Certificate. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844271 | xxxxxx | 34351803 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception- Legal Non-Confirming. Exception granted for application of variance may be necessary in rebuild if destroyed in excess of 50%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-08): Client elects to waive with verified compensation factors |  |  | 09/08/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844302 | xxxxxx | 34308474 | xxxxxx | 09/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report, hence provide,<br> 12-months mortgage payment history is to be documented, as follows: <br> Mortgage statement or Note for the review period to verify monthly payment amount, and<br> Proof of payments through one of the following:<br> 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method <br> from the borrower<br> Payments made in cash are not eligible, or<br> 12-months mortgage statements for the review period, or<br> 12-months loan payment history from the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required, or<br> 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-09-11): Loan summary provided which has all the information as a mortgage statement and appears the active lender's statement.<br>Reviewer Comment (2025-09-11): Received Mortgage, Assignment of Rents and Loan Billing Statement. However, the document requested is for Note or most recent Mortgage Statement. Exception remains.<br>Reviewer Comment (2025-09-04): Received VOM and 6 months cancelled check. However, provide Mortgage statement or Note. Exception remains. | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844302 | xxxxxx | 34308482 | xxxxxx | 09/02/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-09-04): FTP provided | 09/04/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844302 | xxxxxx | 34308487 | xxxxxx | 09/02/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-09-04): Received CDA. Exception cleared. | 09/04/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844302 | xxxxxx | 34310567 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-04): Received Certificate of Good Standing. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844302 | xxxxxx | 34320366 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  | Reviewer Comment (2025-09-04): Clear FTP provided | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844303 | xxxxxx | 34313787 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2025-09-08): Received Title Commitment. Exception cleared.<br>Reviewer Comment (2025-09-04): Final title provided, however the prelim nor commitment nor purchase deed with previous ownership was provided. Need prelim or commitment title or the purchase deed reflecting the borrower was the owner for at least 12 months prior to closing. | 09/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844303 | xxxxxx | 34313792 | xxxxxx | 09/02/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-09-04): Received CDA. Exception cleared. | 09/04/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844303 | xxxxxx | 34317580 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-04): Received Business Listing Entity. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844303 | xxxxxx | 34321046 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy (blanket lien will be on title based on concurrent loan closing). |  | Reviewer Comment (2025-09-04): Clear final title provided | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844303 | xxxxxx | 34321134 | xxxxxx | 09/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report, hence provide,<br> 12-months mortgage payment history is to be documented, as follows: <br> Mortgage statement or Note for the review period to verify monthly payment amount, and<br> Proof of payments through one of the following:<br> 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method <br> from the borrower<br> Payments made in cash are not eligible, or<br> 12-months mortgage statements for the review period, or<br> 12-months loan payment history from the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required, or<br> 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-09-12): Per client, accepting loan summary with additional cross collateral address vs. current transaction address since this is a cross collateral loan.<br>Reviewer Comment (2025-09-11): Received Mortgage, Assignment of Rents and Loan Billing Statement. However, the document requested is for Note or most recent Mortgage Statement. Exception remains.<br>Reviewer Comment (2025-09-04): Received 6 months cancelled checks to verify borrower's payment for the most recent 6-months. Pending receipt of Mortgage statement or Note. Exception remains. | 09/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844337 | xxxxxx | 34542952 | xxxxxx | 09/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The updated appraisal report with a completion date of xxxxxx is missing the subject property interior and exterior photo's. Photo's of Comparable properties & rental properties are also missing. Only headers and addresses along with property detail information were provided. |  | Reviewer Comment (2025-09-29): Completed appraisal provided | 09/29/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844337 | xxxxxx | 34543152 | xxxxxx | 09/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | POA must have an expiration date. The POA in file does not have an expiration date. |  | Reviewer Comment (2025-09-29): Per client, accepting the POA verbiage for expiration vs. an actual date. Requested clearance. | 09/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844420 | xxxxxx | 34677989 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per guidelines, if the lease agreement is not provided and the property is tenant occupied, at minimum the actual rents must be listed on the 1007 to verify actual rents are within 120% of estimated rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-14): This would also be required for C/O to meet the guidelines on page 120 of the investor guidelines under refinance to determine if actual rents are within 120% of estimated rents. We do not know what the actual lease amount is as there is no lease and it is not reflected on the 1007.<br>Reviewer Comment (2025-10-10): The same 1007 was provided that was in file at time of review. Please review the original condition. Per guidelines, if the lease agreement is not provided and the property is tenant occupied, at minimum the actual rents must be listed on the 1007 to verify actual rents are within 120% of estimated rents. |  |  | 10/16/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844445 | xxxxxx | 34273185 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent not provided. Operating Agreement states xxxxxx, has the power to bind the company. All loan documents have been signed by member xxxxxx. |  | Reviewer Comment (2025-09-24): Received Corporate Resolution. Exception cleared. | 09/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844446 | xxxxxx | 34214117 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent not provided. Operating Agreement states xxxxxx, has the power to bind the company. All loan documents have been signed by member xxxxxx. |  | Reviewer Comment (2025-09-24): Received Corporate Resolution. Exception cleared. | 09/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844449 | xxxxxx | 34551366 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification, Statement<br> Insurance Verification, Statement<br> Insurance Verification, Statement | Borrower recently purchase the following properties. Provide the final closing disclosure / first payment letter to verify PITIA or proof of insurance and P&I (also any HOA, if applicable). |  | Reviewer Comment (2025-10-06): Received First Payment Letter, Closing Disclosure and 1004 to verify PITIA for property located at xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-03): Received First payment letter, Closing Disclosure/Closing Statement, and HOA document for properties located at xxxxxx and xxxxxx. Pending final closing disclosure / first payment letter to verify PITIA or proof of insurance and P&I (also any HOA, if applicable) for property located at xxxxxx. Exception remains. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844449 | xxxxxx | 34551391 | xxxxxx | 09/29/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-03): Updated title provided with updated revision number | 10/03/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844449 | xxxxxx | 34551497 | xxxxxx | 09/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage lien for the property located at xxxxxx is not reported on credit report. The file contains 7 months of loan payment history from the creditor/servicer. Per guidelines, provide 12-months loan payment history from the creditor/servicer along with proof of borrower's payment for the most recent 6-months and a copy of the Note or Mortgage Statement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors |  |  | 10/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844449 | xxxxxx | 34551501 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide full fraud report. Must include al parities. |  | Reviewer Comment (2025-10-01): Received full fraud report. Exception cleared. | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844449 | xxxxxx | 34551503 | xxxxxx | 09/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-10-09): Received gap credit report. Exception cleared. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844449 | xxxxxx | 34551552 | xxxxxx | 09/29/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. |  | Reviewer Comment (2025-10-08): Received VVOE dated within 10 days prior to the Note date. Exception cleared.<br>Reviewer Comment (2025-10-03): Received post closing Work Number. Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. Exception remains. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844449 | xxxxxx | 34551559 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1040 (2024) | Provide signed and dated 1040 for 2024 since rental income was utilized to qualify borrower. |  | Reviewer Comment (2025-10-03): Received signed and dated 1040 for 2024. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34595170 | xxxxxx | 10/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx HOA Verification, Statement<br> Statement | Borrower recently purchase the following properties. Provide the final closing disclosure / first payment letter to verify PITIA or proof of insurance and P&I (also any HOA, if applicable). |  | Reviewer Comment (2025-10-07): Received closing disclosure to verify PITIA. Exception cleared.<br>Reviewer Comment (2025-10-06): Received First Payment Letter, Closing Disclosure and 1004 to verify HOA for property xxxxxx. Pending receipt of documents to verify PITIA for property located at xxxxxx. Exception remains.<br>Reviewer Comment (2025-10-03): Received Closing Statement, 1004 for HOA is for the subject property. However, the documents requested for the properties xxxxxx, Address: xxxxxx. Please provide document as requested on the original comments. Exception remains. | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34595251 | xxxxxx | 10/01/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-07): Client elects to waive with verified compensation factors |  |  | 10/07/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34595258 | xxxxxx | 10/01/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. |  | Reviewer Comment (2025-10-08): Received VVOE dated xxxxxx . Exception cleared. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34595259 | xxxxxx | 10/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-10-06): Received Credit Refresh Report dated xxxxxx . Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34600800 | xxxxxx | 10/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx Properties, is missing. |  | Reviewer Comment (2025-10-08): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34606946 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage lien for the property located at xxxxxx is not reported on credit report. The file contains 7 months of loan payment history from the creditor/servicer. Per guidelines, provide 12-months loan payment history from the creditor/servicer along with proof of borrower's payment for the most recent 6-months and a copy of the Note or Mortgage Statement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors |  |  | 10/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34606950 | xxxxxx | 10/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide signed and dated 1040 for 2024 since rental income was utilized to qualify borrower. |  | Reviewer Comment (2025-10-06): Received signed and dated 1040 for 2024. Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34606959 | xxxxxx | 10/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx xxxxxx xxxxxx Statement | Concurrent closing with subject property. Recently refinanced. Provide evidence of the new PITIA. |  | Reviewer Comment (2025-10-06): Received Final Closing Disclosure to verify the PITI. Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34606961 | xxxxxx | 10/01/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The subject property subject property interior / exterior and comparable photos are missing as well as appraisal is not signed by the appraiser from the most recent appraisal with a completion date of xxxxxx . |  | Reviewer Comment (2025-10-06): Received appraisal with a completion date of xxxxxx with sign and Photos. Exception cleared. | 10/06/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844508 | xxxxxx | 34607174 | xxxxxx | 10/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx aggregate exposure to a single borrower and / or houshold shall not exceed $5MIL in current unpaid principal balance (UPB) or ten (10) loans. Borrower has multiple loans submitted to diligence totaling xxxxxx in UPB (total of new loan amounts) which includes this 5th loan. Additional loan numbers:<br>838066<br> 844449<br> 844509<br> 844505 | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-07): Client elects to waive with verified compensation factors |  |  | 10/07/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844529 | xxxxxx | 34373324 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Marital Status was not provided |  | Required to determine if Spousal Consent is required. |  | Reviewer Comment (2025-09-15): Spousal consent provided. No space on creditor application for marital status. | 09/15/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844529 | xxxxxx | 34373367 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the current borrowing LLC. |  | Reviewer Comment (2025-09-10): Deed provided | 09/10/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844529 | xxxxxx | 34373407 | xxxxxx | 09/09/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Borrower does not meet the minimum 700 FICO for a first time investor. Property was deeded out of additional owned LLC to an individual on xxxxxx and has been vested in the individual, which is not a Guarantor on the loan since. No other owned properties noted in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-10): The OA does not clear this condition. Please re-review the original condition. Property was deeded out of additional owned LLC to an individual on xxxxxx and has been vested in the individual, which is not a Guarantor on the loan since. It is not relevant that he is the owner of the current borrowing LLC. No other owned properties noted in file. |  |  | 09/15/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844557 | xxxxxx | 34366209 | xxxxxx | 09/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Subordinate financing is not permitted on the subject property. |  | Investor exception in file for Subordinate Private Party secondary financing. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-05): Client elects to waive with verified compensation factors |  |  | 09/05/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844631 | xxxxxx | 34415881 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. |  | Reviewer Comment (2025-09-23): Evidence of ownership provided<br>Reviewer Comment (2025-09-22): Received document was already in file which supports ownership claims but is not sufficient as evidence of ownership. Provide evidence of ownership and ownership % in xxxxxx. Exception remains. | 09/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844631 | xxxxxx | 34456988 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.6, xxxxxx CU 2.5. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-09-23): AVM provided | 09/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844631 | xxxxxx | 34527542 | xxxxxx | 09/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Evidence of ownership % was provided in xxxxxx post review. Assets are limited to the borrower's ownership % of 51%. |  | Reviewer Comment (2025-10-15): Updated account statements provided for xxxxxx and xxxxxx | 10/15/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844649 | xxxxxx | 34399129 | xxxxxx | 09/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.0, xxxxxx CU 3.0. Due to discrepancy, a secondary valuation is required |  | Reviewer Comment (2025-09-22): CDA provided | 09/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844649 | xxxxxx | 34399143 | xxxxxx | 09/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The settlement statement in file has a disbursement date prior to consummation. |  | Reviewer Comment (2025-09-24): Lender attestation provided that the notary date is really a xxxxxx. States the comma is intercepting with the 2 to make it look like a 3. Client email stating they are accepting this.<br>Reviewer Comment (2025-09-22): The signing date of the closing statement or HUD or prorations have no bearing on this. The loan did not close (which is the consummation date), per the DOT, until xxxxxx A loan cannot disburse prior to closing.<br>Reviewer Comment (2025-09-15): The HUD-1 provided still reflects a disbursement date prior to consummation. Consummation was xxxxxx and disbursement date on HUD is xxxxxx Provide the final stamped settlement statement with corrected disbursement date. | 09/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844669 | xxxxxx | 34792484 | xxxxxx | 10/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver | The Security Instrument does not reflect the Homestead Exemption Waiver. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive |  |  | 10/29/2025 | 2 | B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844669 | xxxxxx | 34792500 | xxxxxx | 10/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive. |  |  | 10/29/2025 | 2 | A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844669 | xxxxxx | 34792507 | xxxxxx | 10/30/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | The fraud report has high alerts that were not cleared. |  | Reviewer Comment (2025-11-13): Cleared report provided | 11/13/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844669 | xxxxxx | 34792524 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Bpo. Fee Amount of $210.00 exceeds tolerance of $0.00. $210.00 over legal limit. Insufficient or no cure was provided to the borrower. (7543) | The BPO Fee was not disclosed on the initial Loan Estimate; however, was added on the Closing Disclosure dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-11-25): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-11-06): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |  | 11/25/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844685 | xxxxxx | 34326379 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-09-12): Received Mortgage Participant List Report, Fraud and OFAC search run on the seller. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844685 | xxxxxx | 34326393 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be signed at closing | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-08): Received Guarantor Agreement is post-closing. Provide signed Guarantor Agreement at closing. Exception remains.<br>Reviewer Comment (2025-09-12): Received Loan Agreement, however the document requested is for Guarantor Agreement. Exception remains. |  |  | 10/09/2025 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844685 | xxxxxx | 34342831 | xxxxxx | 09/05/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The loan closed in an Entity, however the Note signature does not reflect the Entity by Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-02): Client elects to waive |  |  | 09/02/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844808 | xxxxxx | 34369636 | xxxxxx | 09/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Final 1003, current address for the borrower's primary residence, is same as subject property. Please provide the corrected 1003 with the borrower's overseas address and lender attestation on error. |  | Reviewer Comment (2025-09-18): Lender attestation provided<br>Reviewer Comment (2025-09-17): Received the corrected 1003. Still pending receipt of lender attestation error per original condition. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844808 | xxxxxx | 34369638 | xxxxxx | 09/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for Foreign National needing a POA. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors |  |  | 09/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844808 | xxxxxx | 34395851 | xxxxxx | 09/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide the currency converter for xxxxxx ($450000). Must show current rates as of the statement / Note date or historical rates. |  | Reviewer Comment (2025-09-30): Per Seller request, removed xxxxxx account in which conversion could not be provided. Loan still qualifies for cash to close and reserves.<br>Reviewer Comment (2025-09-22): Unless it can be proven that the $450,000 was converted to xxxxxx on account xxxxxx and transferred over to account xxxxxx, you will need to provide the currency converter with historical rates from XE.com or the Wall Street Journal. Excluding account xxxxxx the borrower will be short reserves.<br>Reviewer Comment (2025-09-18): The borrower has two xxxxxx accounts. One account is in xxxxxx and the other is in xxxxxx. This is the investment account (xxxxxx). This account ends in xxxxxx with a balance of $450,000 which would need a currency converter. The account is needed to qualify.<br>Reviewer Comment (2025-09-17): The POA does not clear this condition. Please review the original condition. Provide the currency converter for xxxxxx ($450000). Must show current rates as of the statement / Note date or historical rates. | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844808 | xxxxxx | 34399104 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | The POA does not have an expiration date as required by guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-17): Condition cannot be waived. Guidelines require the POA to have an expiration date. |  |  | 09/23/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34418828 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  |  |  | Reviewer Comment (2025-09-25): Received Articles of Incorporation. Exception cleared.<br>Reviewer Comment (2025-09-18): EIN does not clear this condition. Provide the Articles of Incorporation. | 09/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34418831 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  |  |  | Reviewer Comment (2025-09-18): Bylaws provided | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34418834 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-18): Cogs provided | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34418885 | xxxxxx | 09/16/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,082,661.64 is greater than Guideline total cash-out of $1,000,000.00. | investor exception in file for cash out limit exceeded | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34418994 | xxxxxx | 09/16/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Investor exception for minimum FICO of 720 not met for an escrow waiver. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34475117 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 for the Guarantor. Per property profile report and OA, no vested ownership in the primary residence. |  | Reviewer Comment (2025-09-18): Updated 1003 | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34475136 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-09-18): EIN provided | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844827 | xxxxxx | 34475192 | xxxxxx | 09/16/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The property was listed for sale on xxxxxx. Evidence of cancellation or last list price was not provided. A borrower LOE is not acceptable. Must have been cancelled prior to the Note date and lower of must be utilized. |  | Reviewer Comment (2025-09-18): Listing removal provided. Dated prior to close and last list price is higher than current appraised value. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844836 | xxxxxx | 34545558 | xxxxxx | 09/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-03): FTP provided | 10/03/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844836 | xxxxxx | 34545559 | xxxxxx | 09/30/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. Quote has pre-disbursement dates, however active in place policy has post disbursement dates. |  | Reviewer Comment (2025-10-08): Final stamped settlement statement provided updating disbursement date.<br>Reviewer Comment (2025-10-03): The settlement statement provided is not stamped certified. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844836 | xxxxxx | 34545560 | xxxxxx | 09/30/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-03): FTP provided with amount | 10/03/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844857 | xxxxxx | 34303323 | xxxxxx | 09/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2025-09-10): Bank statements provided. Utilized assets on statements up until closing. | 09/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844857 | xxxxxx | 34307564 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower is paying off a credit card on the borrower's credit report with xxxxxx Card which is a personal debt. Loan is ineligible for DSCR. |  | Reviewer Comment (2025-09-10): Final stamped settlement statement provided reflecting debt was not paid through closing. | 09/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844943 | xxxxxx | 34331644 | xxxxxx | 09/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Subject current rent 2900 is higher than market rent 2450. Borrower wants to use 2900 but rent receipts are partial xxxxxx receipt(2355)+ partial cash receipt (545). Exception to utilize the higher rents for qualifying. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-02): Client elects to waive with verified compensation factors |  |  | 09/02/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844969 | xxxxxx | 34340641 | xxxxxx | 09/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. Note, Mortgage Statement and Payoff provided. Note reflects FPD xxxxxx . Provide the VOM and borrower pay history within 45 days of application date xxxxxx . |  | Reviewer Comment (2025-09-10): Received bank statements with payments 4/2025-7/2025, closing statement supporting previous lien refinance, and supplement with previous lien information prior to refinance. Credit supplement provided with refinance lien history. VOM not required. | 09/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844985 | xxxxxx | 34445774 | xxxxxx | 09/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Lien on title not addressed (#6) |  | Reviewer Comment (2025-09-18): Email from title provided indicating updated title with removal of lien is correct.<br>Reviewer Comment (2025-09-16): The incorrect and correct title policies are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates). | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845051 | xxxxxx | 34855798 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2025-08-28): Cleared with Flood Notice. | 08/28/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | B | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845051 | xxxxxx | 34855799 | xxxxxx | 08/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Term discrepancy. | Note term of 359 does not match Guideline term of 360. | Note term of 359 does not match Guideline term of 360. as per provided first payment and last payment date it is 359 term loan. |  | Reviewer Comment (2025-10-24): Corrected Note, LOE and proof of delivery to borrower, along with destroyed Note affidavit for original Note, received in trailing docs. | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | B | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845184 | xxxxxx | 34392611 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-09-19): Received Articles of Organization. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845184 | xxxxxx | 34392612 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-19): Received Articles of Organization, verifying business was formed within 120 days of the Note date. Therefore COGS is not required. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845184 | xxxxxx | 34392613 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution not provided as well as Trust Agreement not provided which owns 100% of Borrowing Entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-15): Client elect to waive with verified compensation factors<br>Reviewer Comment (2025-10-02): Received Corporate Resolution reflects Directed Trust has the ownership in the borrowing business. Therefore Trust agreement is required to verify the ownership percentage of the business. Exception remains.<br>Reviewer Comment (2025-09-29): Received Corporate Resolution. Provide Trust agreement for Directed Trust Company to verify ownership percentage of business. Exception remains. |  |  | 10/15/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845184 | xxxxxx | 34392614 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-09-19): Received EIN. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845184 | xxxxxx | 34392615 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-09-19): Received Operating Agreement. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845184 | xxxxxx | 34392620 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx |  | Reviewer Comment (2025-09-19): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845184 | xxxxxx | 34445521 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxxxx signed as xxxxxx vs. Individual. |  | Reviewer Comment (2025-10-02): Received Guarantor Agreement. Exception cleared.<br>Reviewer Comment (2025-09-19): Received Guarantor Agreement was signed by xxxxxx as member and must be signed as an individual. Exception remains. | 10/02/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845185 | xxxxxx | 34368988 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file was approved to allow the borrower's expired EAD with out approval of extension. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845185 | xxxxxx | 34396055 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Assignments of Leases / Rents rider not provided |  | Reviewer Comment (2025-10-17): A signed Reaffirmation, Re-execution and reacknowledgment of Previously Recorded Deed of Trust was provided.<br>Reviewer Comment (2025-10-17): Received re-recorded Assignments of Leases / Rents rider, lender's intent to re-record and LOE to borrower. Provide evidence of delivery to borrower. Exception remains. | 10/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845223 | xxxxxx | 34545680 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-29): Client elects to waive |  |  | 09/29/2025 | 2 | B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34545687 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-10-02): Received Note - Senior Lien. Exception cleared. | 10/02/2025 |  |  | 1 | D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34545690 | xxxxxx | 09/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-29): Client elects to waive |  |  | 09/29/2025 | 2 | A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34589824 | xxxxxx | 09/29/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-09-29): Client elects to waive |  |  | 09/29/2025 | 2 | B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34589829 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. $95.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Additional information is required as to why fee was added. Just says lender required fee. |  | Reviewer Comment (2025-10-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-10-06): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the BPO fee was adeed. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> " | 10/16/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34589831 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $55.00 exceeds tolerance of $0.00. $55.00 over legal limit. Insufficient or no cure was provided to the borrower. (75158) | Cure provided on Final CD, however due to multiple violations, this will be addressed once all tolerance violations are addressed. |  | Reviewer Comment (2025-11-07): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-11-06): SitusAMC received rebuttal, as it is refunded to the borrower, we require copy of refund check & proof of mailing to cure the exception. Please provide copy of refund check & proof of mailing to cure the exception.<br>Reviewer Comment (2025-11-04): SitusAMC received PCCD and LOE, however we require payment history showing principal reduction of cure amount and date applied. Please provide payment history to cure the exception.<br>Reviewer Comment (2025-10-29): SitusAMC received PCCD and LOE, however if cure was applied as principal reduction, we require payment history showing the amount of principal reduction for cure or copy of refund check and proof of mailing for cure.<br>Reviewer Comment (2025-10-21): SitusAMC received payment history but from the document we are unable to verify the principal reduction of $95 and when the effective date of reduction. Please provide more information to verify the same.<br>Reviewer Comment (2025-10-16): SitusAMC received Post CD and LOX. However, we would also require Payment history in order to cure the exception.<br>Reviewer Comment (2025-10-06): Situsamc Kindly confirm if Cure provided at closing is for Property Inspection Fee. |  | 11/07/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34589850 | xxxxxx | 09/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The AVM, PCI, and BPO reflect property is an SFD, however there is a PUD rider attached to the DOT. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-01): If property is an SFD vs PUD, provide the corrected and updated DOT removing the PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's LOI to re-record. |  |  | 10/07/2025 | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845223 | xxxxxx | 34589854 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  |  |  | Reviewer Comment (2025-10-09): Received HOA documents. Exception cleared. | 10/09/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845277 | xxxxxx | 34333372 | xxxxxx | 09/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 5.2025 mortgage payment for the xxxxxx lien on the primary residence. Housing history must be within 45 days of application. |  | Reviewer Comment (2025-09-09): Received Credit Statement verifying payment for xxxxxx 25. Exception cleared. | 09/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845285 | xxxxxx | 34976196 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Cert to verify xxxxxx/year in tax expenses. |  | Reviewer Comment (2025-11-17): Received Tax Certificate. Exception cleared. | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845295 | xxxxxx | 34321996 | xxxxxx | 09/04/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Borrower does not meet the minimum FICO score requirement of 700 nor owns a primary residence or 1 year for First Time Investor requirements. All investment properties owned per Fraud Report and property profile reports have been owned < 1 year as well as borrower was living in one of the now investment properties up until 8 months ago. |  | Reviewer Comment (2025-09-09): Overseas documentation provided to evidence experience for > 1 year. | 09/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845295 | xxxxxx | 34326483 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-09-12): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845416 | xxxxxx | 34676415 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary property is free and clear. xxxxxx Report reflects a xxxxxx lien with xxxxxx as open and not released in both borrower and non-borrower name that does not appear on credit. Borrower LOE on no mortgage is not acceptable. Provide the release. |  | Reviewer Comment (2025-10-13): Received Satisfaction of lien that the property is release. Exception cleared. | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845419 | xxxxxx | 34450351 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-09-29): Final CD provided<br>Reviewer Comment (2025-09-24): The Seller's CD is not acceptable. The borrower final signed stamped settlement statement/signed final xxxxxx signed final HUD is required. | 09/29/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845457 | xxxxxx | 34445777 | xxxxxx | 09/15/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the borrower's primary residence is free and clear. |  | Reviewer Comment (2025-09-18): Received Property History Report to verify property free and clear. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845515 | xxxxxx | 34679543 | xxxxxx | 10/10/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal and CU's: City does not match |  | Reviewer Comment (2025-10-21): Corrected appraisal and CU's provided | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845515 | xxxxxx | 34773894 | xxxxxx | 10/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The updated CU's provided post-review for xxxxxx and xxxxxx with the correct city have conflicting scores of 1.5 and 2.6. Due to dicrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-10-30): Received CDA. Exception cleared.<br>Reviewer Comment (2025-10-29): No new document is uploaded in clarity. Provide the document requested as per original condition. Exception remains. | 10/30/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845541 | xxxxxx | 34511666 | xxxxxx | 09/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for subject property in a declining market. Compensating factors were cited as xxxxxx reports a decline of less than 5%, low LTV, STR. The compensating factors cannot be valuation related in order to be used as a compensating factor for an exception related to value. Provide valid compensating factors for review. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-17): Waived with compensating factors per lender approval at origination and updated compensating factors provided post-consummation. |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845716 | xxxxxx | 34416587 | xxxxxx | 09/12/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | 1003, REO section, reflects the current primary as an Investment. |  | Reviewer Comment (2025-09-15): Updated 1003 provided | 09/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845718 | xxxxxx | 34724078 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds 50% |  | Reviewer Comment (2025-10-29): Debt of $2,630 per month was omitted from the DTI 12 months of someone else paying the debt was provided. | 10/29/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845718 | xxxxxx | 34724168 | xxxxxx | 10/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.31162% exceeds Guideline total debt ratio of 50.00000%. | DTI exceeds 50% |  | Reviewer Comment (2025-10-29): Debt of $2,630 per month was omitted from the DTI 12 months of someone else paying the debt was provided. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845718 | xxxxxx | 34724176 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds 50% |  | Reviewer Comment (2025-10-29): Debt of $2,630 per month was omitted from the DTI 12 months of someone else paying the debt was provided. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845718 | xxxxxx | 34743179 | xxxxxx | 10/17/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Both dwelling and windstorm policies do not reflect ISAOA. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-03): Cleared in error. Both policies provided at date post-close. The pre-close policies must be updated. The funding date is not acceptable in Wet States, only dry states. In Wet States policies have to be in effect at time of closing. |  |  | 11/04/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845718 | xxxxxx | 34743603 | xxxxxx | 10/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 2.0, xxxxxx CU score 3.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-11-09): Received AVM from xxxxxx with FSD score 0.08. Exception cleared.<br>Reviewer Comment (2025-10-31): Received AVM has FSD score of 0.18. That is not acceptable per guidelines. Provide an enhanced desk review. Exception remains. | 11/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845718 | xxxxxx | 34743661 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.31162% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds 50% |  | Reviewer Comment (2025-10-29): Debt of $2,630 per month was omitted from the DTI 12 months of someone else paying the debt was provided. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845718 | xxxxxx | 34743668 | xxxxxx | 10/17/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Windstorm policy only: Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-03): The funding date is not acceptable in Wet States, only dry states. In Wet States policies have to be in effect at time of closing. |  |  | 11/04/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845752 | xxxxxx | 34395814 | xxxxxx | 09/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Foreign national with Expired Visa and only I-94 (does not have I-797) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-14): Client elects to waive with verified compensation factors |  |  | 09/14/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845752 | xxxxxx | 34395816 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment Rider Missing (1st page of the PPP rider to the DOT is missing). |  | Reviewer Comment (2025-09-16): All pages of rider provided | 09/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845752 | xxxxxx | 34395822 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final CD not provided. Unsigned PC-CD only provided. |  | Reviewer Comment (2025-09-16): Final signed CD provided | 09/16/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845752 | xxxxxx | 34395852 | xxxxxx | 09/15/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-09-22): Received Title Final Policy. Exception cleared. | 09/22/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845752 | xxxxxx | 34395860 | xxxxxx | 09/15/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-09-22): Received Title Final Policy. Exception cleared. | 09/22/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845752 | xxxxxx | 34445520 | xxxxxx | 09/15/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-09-16): Preclose appraisal provided | 09/16/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845858 | xxxxxx | 34273562 | xxxxxx | 08/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-03): Received Approval. Exception cleared. | 09/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845858 | xxxxxx | 34273585 | xxxxxx | 08/28/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 77.72727% exceeds Guideline loan to value percentage of 75.00000%. | Max 75% for purchase xxxxxx unit property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors |  |  | 09/10/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845858 | xxxxxx | 34279669 | xxxxxx | 08/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-09-23): Received SAM.gov for seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-09-18): Received email, that contains snip of HUD/LDP search and no result found on the seller, however snip for GSA is not acceptable, all pages of SAM.gov must be provided. Exception remains.<br>Reviewer Comment (2025-09-05): Received OFAC search for Seller. However provide HUD/LDP/GSA search for Seller, xxxxxx. Exception remains.<br>Reviewer Comment (2025-09-03): Received Background check for seller, xxxxxx, however there is no Global Search or Fraud and OFAC search. Please provide Fraud and OFAC search for seller, xxxxxx. Exception remains. | 09/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845973 | xxxxxx | 34303688 | xxxxxx | 09/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. |  | Reviewer Comment (2025-09-11): Removed business account and added spouse account. Per xxxxxx guidelines, allowed. Non-borrowing titleholder (must meet xxxxxx acceptable donors) or member of LLC/entity who is contributing funds is not considered a gift, no gift letter required.<br>Reviewer Comment (2025-09-04): Received bank statements that was already provided at the time of review. However the account xxxxxx belongs to only non-borrower's spouse. Therefore business bank statement needs to be utilized to qualify borrower. Exception remains. | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845973 | xxxxxx | 34309846 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-09-04): Received updated Fraud Report, Fraud and OFAC search run on the seller. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846006 | xxxxxx | 34326526 | xxxxxx | 09/05/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Borrower does not meet the minimum FICO requirements of 700 for first time investor. |  | Reviewer Comment (2025-09-16): Additional property profile provided for REO purchased in xxxxxx and still owned.<br>Reviewer Comment (2025-09-15): An updated 1003 REO does not clear this condition. Evidence must be provided the investment properties were owned for > 1 year within the past 36 months. | 09/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846006 | xxxxxx | 34342804 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-08): Approval provided | 09/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846006 | xxxxxx | 34343438 | xxxxxx | 09/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Delayed financing: Purchase price + documented improvements per guidelines is to be utilized. Lender utilized the higher appraised value. LTV with purchase price is 82.66667%. Documented improvements not provided. |  | Reviewer Comment (2025-09-09): Doc improvements provided. With doc improvements + previous purchase price, value exceeds appraised value. Lower appraised value utilized. | 09/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846113 | xxxxxx | 34443568 | xxxxxx | 09/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. VOM / Pay history provided. Provide a copy of the Note. |  | Reviewer Comment (2025-09-24): Received Note for subject property. Exception cleared. | 09/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846113 | xxxxxx | 34443624 | xxxxxx | 09/18/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-09-22): Preclose policy provided. See updated condition. | 09/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846113 | xxxxxx | 34518444 | xxxxxx | 09/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The pre-close policy dated prior to closing does not have sufficient coverage. The RCE reflects xxxxxx and the pre-close policy dwelling coverage is xxxxxx which is short by $10,240.00. Sufficient coverage was provided after closing, however, this is not acceptable. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-10-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-30): The same documents were provided for policies and RCE that were in file at time of review. A no claims letter from the borrower is not sufficient. The borrower needed sufficient coverage at time of closing. |  |  | 10/07/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846142 | xxxxxx | 34477902 | xxxxxx | 09/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert reflects the city in the main address name. |  | Reviewer Comment (2025-09-30): Flood Cert provided | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846142 | xxxxxx | 34515734 | xxxxxx | 09/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Currency converter for xxxxxx does not reflect the most recent ending balance as of xxxxxx ($219,232,232.27). |  | Reviewer Comment (2025-10-09): Received Currency converter from Xe.com. Exception cleared.<br>Reviewer Comment (2025-10-03): Received currency convertor from WSJ, however, received rate is post closing, provide historical rates from WSJ or Xe.com. Exception remains.<br>Reviewer Comment (2025-09-30): Received currency converter from www.exchange - rates.org. Provide the Currency Converter via either www.xe.com or the Wall Street Journal. Exception remains. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846146 | xxxxxx | 34523336 | xxxxxx | 09/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-02): Received Final Title Policy. Exception cleared. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846146 | xxxxxx | 34523338 | xxxxxx | 09/28/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-02): Received Final Title Policy. Exception cleared. | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846146 | xxxxxx | 34540532 | xxxxxx | 09/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-29): Approval provided | 09/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846146 | xxxxxx | 34540894 | xxxxxx | 09/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-10-07): Received Fraud and OFAC search run on seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-09-30): Received Approval and deed. However, the document requested is for fraud and OFAC search for the seller, xxxxxx Exception remains | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846146 | xxxxxx | 34542683 | xxxxxx | 09/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 2.9, xxxxxx CU 2.5. Due to discrepancy, a secondary valuation is required |  | Reviewer Comment (2025-10-06): CDA received<br>Reviewer Comment (2025-10-02): Client requested CDA order. CDA will be ordered | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846146 | xxxxxx | 34639486 | xxxxxx | 10/03/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No xxxxxx Sheets - 2 Days |  | Reviewer Comment (2025-10-06): CDA received<br>Reviewer Comment (2025-10-04): Valuation Received - xxxxxx  | 10/06/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846162 | xxxxxx | 34416620 | xxxxxx | 09/12/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Both the Final CD and 1003 reflect gift funds of $30,000, however gift letter was not provided. |  | Reviewer Comment (2025-09-18): Received Gift letter and source of funds. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846189 | xxxxxx | 34693563 | xxxxxx | 10/10/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx(a)(6)) xxxxxx Cash-out Loan (T-42 Endorsement Not Obtained) | xxxxxx Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx endorsement or the xxxxxx endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B A | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846189 | xxxxxx | 34693565 | xxxxxx | 10/10/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2025-10-21): Signed and dated disclosure provided | 10/21/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846189 | xxxxxx | 34693567 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $454.00 exceeds tolerance of $200.00 plus 10% or $220.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846189 | xxxxxx | 34693568 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846189 | xxxxxx | 34693575 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide a full/complete Fraud report as it is missing in the file. Must include all the parties. |  | Reviewer Comment (2025-10-24): Received Fraud and OFAC search. Exception cleared. | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846189 | xxxxxx | 34693601 | xxxxxx | 10/10/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The provided Appraisal report in file has a completion date of xxxxxx which is after the closing date of xxxxxx . Provide an Appraisal report dated before the loan closing. |  | Reviewer Comment (2025-11-05): Received Appraisal Report dated before the loan closing. Exception cleared. | 11/05/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846189 | xxxxxx | 34703099 | xxxxxx | 10/10/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | xxxxxx Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. | Closing / Escrow instructions not provided |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | 34776829 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,397,267.73 is over disclosed by $590.00 compared to the calculated Amount Financed of $1,396,677.73 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The calculated amount financed charge $1,397,267.73. Final Closing disclosure $1,396,677.73 a difference of $590.00. |  | Reviewer Comment (2025-10-15): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-10-10): Please note 10 days remain to cure within discovery period.<br>Reviewer Comment (2025-10-10): SitusAMC received corrected CD issued xxxxxx PCCD reflects a change in fee name and amount from the Final CD which disclosed on page 2 Section C a Title-Mobile Signing Services (which has previously been clarified would be a finance charge as this would not be for notarial services) for $250 to the xxxxxx PCCD changed fee name to Title-Notary Fees for $225. However, in review of the Final xxxxxx Settlement Statement, doc ID 0261 there is a discrepancy to that fee name which the Final settlement statement has the fee name as Title-Mobile Signing Services, like the Final CD. Unable to test the PCCD on the revised fee name due to that discrepancy. Additionally the total underdisclosure was for $590 and there would still be an underdisclosure violation. The following fees were included in the finance charge calculation: $28,782 Mortgage Broker fee, $8368.77 prepaid Int, $1495 Processing Fee, $14 Title-recording service (this fee reduced on the final settlement statement & PCCD to $9.20), Title-Concurrent Loan Service Fee $340, Title-Escrow fee $1377.50, Title-Mobile Signing fee $250 (discrepancy on final settlement statement fee name) & $1795 Underwriting fee. If settlement agent incorrectly named the Title-Mobile Signing Service fee name on the Final Settlement Statement, they should then provide a Corrected final Settlement Statement along with an Attestation from the settlement agent stating the specific serivces & purpose of that fee that were performed to confirm if strictly notarial services. Cure will be required based on current calculations even if the $250 signing fee is clarified satisfactorily of $340 which appears in line with the Title-concurrent Loan Services fee, which would be a fee related to the extension of credit and a finance charge. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing would be cure document requirements.<br>Reviewer Comment (2025-10-06): xxxxxx for the explanation however, the inclusion or exclusion of any fee in a finance charge calculation is based on fee purpose only with no weight being given to shoppable or non-shoppable status. The Concurrent Loan Services Fee, per the provided description would be similar to an escrow/settlement of closing fee. With that in mind testing the fee as a finance charge is appropriate. If the lender has a citation, or further clarification that is relevant to this the finance charge fee designation I would be happy to review any further documentation.<br>While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service. While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. This matter is further complicated as the final CD indicates a Title - Notary fee paid to by the seller. Please provide further documentation for the purpose of the provided services for the Title - Signing Fee. |  | 10/15/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | 34776830 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,540,110.90 is under disclosed by $590.00 compared to the calculated Finance Charge of $2,540,700.90 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $2,540,713.37. Calculating at $2,540,110.90 with a variance of $100.00. |  | Reviewer Comment (2025-10-15): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-10-10): Please note 10 days remain to cure within discovery period.<br>Reviewer Comment (2025-10-10): SitusAMC received corrected CD issued xxxxxx. PCCD reflects a change in fee name and amount from the Final CD which disclosed on page 2 Section C a Title-Mobile Signing Services (which has previously been clarified would be a finance charge as this would not be for notarial services) for $250 to the xxxxxx PCCD changed fee name to Title-Notary Fees for $225. However, in review of the Final xxxxxx Settlement Statement, doc ID 0261 there is a discrepancy to that fee name which the Final settlement statement has the fee name as Title-Mobile Signing Services, like the Final CD. Unable to test the PCCD on the revised fee name due to that discrepancy. Additionally the total underdisclosure was for $590 and there would still be an underdisclosure violation. The following fees were included in the finance charge calculation: $28,782 Mortgage Broker fee, $8368.77 prepaid Int, $1495 Processing Fee, $14 Title-recording service (this fee reduced on the final settlement statement & PCCD to $9.20), Title-Concurrent Loan Service Fee $340, Title-Escrow fee $1377.50, Title-Mobile Signing fee $250 (discrepancy on final settlement statement fee name) & $1795 Underwriting fee. If settlement agent incorrectly named the Title-Mobile Signing Service fee name on the Final Settlement Statement, they should then provide a Corrected final Settlement Statement along with an Attestation from the settlement agent stating the specific serivces & purpose of that fee that were performed to confirm if strictly notarial services. Cure will be required based on current calculations even if the $250 signing fee is clarified satisfactorily of $340 which appears in line with the Title-concurrent Loan Services fee, which would be a fee related to the extension of credit and a finance charge. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing would be cure document requirements.<br>Reviewer Comment (2025-10-06): xxxxxx for the explanation however, the inclusion or exclusion of any fee in a finance charge calculation is based on fee purpose only with no weight being given to shoppable or non-shoppable status. The Concurrent Loan Services Fee, per the provided description would be similar to an escrow/settlement of closing fee. With that in mind testing the fee as a finance charge is appropriate. If the lender has a citation, or further clarification that is relevant to this the finance charge fee designation I would be happy to review any further documentation.<br>While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service. While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. This matter is further complicated as the final CD indicates a Title - Notary fee paid to by the seller. Please provide further documentation for the purpose of the provided services for the Title - Signing Fee. |  | 10/15/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | 34776833 | xxxxxx | 08/21/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE within 10 business days of closing, required per xxxxxx guides. |  | Reviewer Comment (2025-10-02): Provided and cleared.<br>Reviewer Comment (2025-09-21): Trailing doc is a verification of CPA status, not verification of business. Exception remains.<br>Reviewer Comment (2025-09-18): Guidelines require VOE within 10 business days of closing for all borrowers, including self-employed borrowers. Exception remains. | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | 34776834 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing 10 day VOE. |  | Reviewer Comment (2025-10-02): Provided and cleared.<br>Reviewer Comment (2025-09-21): Trailing doc is a verification of CPA status, not verification of business. Exception remains. | 10/02/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | 34776835 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing 10 day VOE. |  | Reviewer Comment (2025-10-02): Provided and cleared.<br>Reviewer Comment (2025-09-21): Trailing doc is a verification of CPA status, not verification of business. Exception remains.<br>Reviewer Comment (2025-09-18): Guidelines require VOE within 10 business days of closing for all borrowers, including self-employed borrowers. Exception remains. | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | 34776836 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing 10 day VOE. |  | Reviewer Comment (2025-10-02): Provided and cleared.<br>Reviewer Comment (2025-09-21): Trailing doc is a verification of CPA status, not verification of business. Exception remains.<br>Reviewer Comment (2025-09-18): Guidelines require VOE within 10 business days of closing for all borrowers, including self-employed borrowers. Exception remains. | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846241 | xxxxxx | 34689293 | xxxxxx | 10/14/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-15): FTP provided | 10/15/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846241 | xxxxxx | 34725575 | xxxxxx | 10/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per the Note, maturity for subject property lien was in xxxxxx. Provide a copy of the extension. |  | Reviewer Comment (2025-10-22): Received Extension Agreement. Exception cleared.<br>Reviewer Comment (2025-10-17): Received Loan Modification Agreement reflects extension of maturity from xxxxxx to xxxxxx xxxxxx. However, Note was matured in xxxxxx, provide the extension of maturity between xxxxxx to xxxxxx . Also, Loan Modification within 12 months are not allowed as per guidelines. Exception remains. | 10/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846241 | xxxxxx | 34725616 | xxxxxx | 10/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.52, xxxxxx CU 3.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-10-21): Received Desk Review. Exception cleared. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846241 | xxxxxx | 34725639 | xxxxxx | 10/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  | Reviewer Comment (2025-10-15): Clear FTP provided | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846257 | xxxxxx | 34726501 | xxxxxx | 10/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-11-07): Received Credit Report - Gap. Exception cleared.<br>Reviewer Comment (2025-10-23): The provided Loan Quality Advisor (LQA) report which was provided on page 819/D0740 was ordered on xxxxxx which is more than 30 days before prior to loan closing xxxxxx . A gap or UDM report must be no more than 30- days prior to loan closing or any time after closing. Exception remains. | 11/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846257 | xxxxxx | 34726794 | xxxxxx | 10/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-11-07): Received Title Final. Exception cleared. | 11/07/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846257 | xxxxxx | 34726883 | xxxxxx | 10/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-07): Received Title Final. Exception cleared. | 11/07/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846257 | xxxxxx | 34744023 | xxxxxx | 10/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR completed by a private party. 6 months cancelled checks / bank statements for borrower pay history is required. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-10-31): The client elects to waive.<br>Reviewer Comment (2025-10-29): Verification of Rent (VOR) was completed by a private party, the title listed is 'xxxxxx.' Please provide documentation confirming that the landlord is not a private landlord. Exception remains. |  |  | 10/31/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846292 | xxxxxx | 34416527 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  | Reviewer Comment (2025-09-19): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846297 | xxxxxx | 34640556 | xxxxxx | 10/08/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 reflects current primary property as Subject Property. However per LOX and VOR in file, borrower was residing at other property located at xxxxxx from xxxxxx to xxxxxx while subject property was being built, and moved to subject property < 1 month ago. Therefore provide corrected 1003 to reflect the correct 2 years of housing history. |  | Reviewer Comment (2025-10-30): An updated 1003 was provided.<br>Reviewer Comment (2025-10-24): Please provide the 1003 that details where the borrower lived for three months between xxxxxx and the note date of xxxxxx <br>Reviewer Comment (2025-10-16): The same 1003 was provided that was in file at time of review. Please review the original condition. Final 1003 reflects current primary property as Subject Property. However per LOX and VOR in file, borrower was residing at other property located at xxxxxx from xxxxxx to xxxxxx while subject property was being built, and moved to subject property < 1 month ago. Therefore provide corrected 1003 to reflect the correct 2 years of housing history. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34641105 | xxxxxx | 10/08/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-10-10): Supplement provided | 10/10/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34641258 | xxxxxx | 10/08/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Received Credit Report is dated xxxxxx that is more than 90 days old. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-30): No additional credit report found.<br>Reviewer Comment (2025-10-16): The LOE is not acceptable. The screen shot if rom the xxxxxx guidelines and this loan was reviewed to the 8.2025 guidelines and matrix. |  |  | 11/06/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655430 | xxxxxx | 10/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Age of documents: All paystubs for each employer are > 90 days old. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-30): Income worksheets for 3 of the 4 jobs list xxxxxx as the income date, with a higher pay amount being used. The most recent pay dates in the file are from xxxxxx .<br>Reviewer Comment (2025-10-16): The LOE is not acceptable. The screen shot if rom the xxxxxx guidelines and this loan was reviewed to the 8.2025 guidelines and matrix. |  |  | 11/06/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655627 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceed max of 50% |  | Reviewer Comment (2025-11-06): I overrode the LD and cleared the mismatch exception.<br>Reviewer Comment (2025-10-30): Income worksheets for 3 of the 4 jobs list xxxxxx as the income date, with a higher pay amount being used. The most recent pay dates in the file are from xxxxxx .<br>Reviewer Comment (2025-10-16): The LOE is not acceptable. The screen shot if rom the xxxxxx matrix and this loan was reviewed to the 8.2025 guidelines and matrix which does not have a 55% allowance on the matrix. Rental income and grossed up SSI was already included at time of review. | 11/06/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655628 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.13828% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | DTI exceed max of 50% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-30): Income worksheets for 3 of the 4 jobs list xxxxxx as the income date, with a higher pay amount being used. The most recent pay dates in the file are from xxxxxx .<br>Reviewer Comment (2025-10-16): The LOE is not acceptable. The screen shot if rom the xxxxxx matrix and this loan was reviewed to the 8.2025 guidelines and matrix which does not have a 55% allowance on the matrix. Rental income and grossed up SSI was already included at time of review. |  |  | 11/06/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655629 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $150.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | COC does not provide a sufficient reason for addition of fee. Just says UW added. |  | Reviewer Comment (2025-10-17): SitusAMC received COC dated xxxxxx and as per the provided disaster confirmation documents.<br>Reviewer Comment (2025-10-13): SItusAMC received COC dated xxxxxx indicates that subject property located in a FEMA declared disaster area. However, provided appraisal report and Flood certificate in the loan file shows that the subject property was not located in the disaster area. If there was an additional reason the fee was increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. | 10/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655630 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (75104) | COC does not provide sufficient reasoning as to why fee was added. F |  | Reviewer Comment (2025-10-17): SitusAMC received appraisal transfer letter dated xxxxxx .<br>Reviewer Comment (2025-10-13): SItusAMC received COC dated xxxxxx indicates that appraisal reflects ADU requiring a 1007 rent schedule. However, provided appraisal report in the loan file completed on xxxxxx with accessory Unit. But the fee was added on xxxxxx . This is outside of the required three-day timeline for notification of borrower. Cure is required. | 10/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655689 | xxxxxx | 10/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 55.13828% exceeds Guideline total debt ratio of 50.00000%. | DTI exceed max of 50% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-30): Income worksheets for 3 of the 4 jobs list xxxxxx as the income date, with a higher pay amount being used. The most recent pay dates in the file are from xxxxxx .<br>Reviewer Comment (2025-10-16): The LOE is not acceptable. The screen shot if rom the xxxxxx matrix and this loan was reviewed to the 8.2025 guidelines and matrix which does not have a 55% allowance on the matrix. Rental income and grossed up SSI was already included at time of review. |  |  | 11/06/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846297 | xxxxxx | 34655697 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI > 50% |  | Reviewer Comment (2025-11-06): Client elected to waive DTI exception. Condition no longer applies.<br>Reviewer Comment (2025-10-30): Income worksheets for 3 of the 4 jobs list xxxxxx as the income date, with a higher pay amount being used. The most recent pay dates in the file are from xxxxxx .<br>Reviewer Comment (2025-10-16): The LOE is not acceptable. The screen shot if rom the xxxxxx matrix and this loan was reviewed to the 8.2025 guidelines and matrix which does not have a 55% allowance on the matrix. Rental income and grossed up SSI was already included at time of review. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846341 | xxxxxx | 34347394 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the 1008 with UW name or Lender's Approval with conditions. |  | Reviewer Comment (2025-09-11): 1008 provided | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846341 | xxxxxx | 34373086 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Project is more than 30 years old and is more than 3 stories, therefore property inspection report is required. |  | Reviewer Comment (2025-09-18): Received Structural Condition Survey Report. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846341 | xxxxxx | 34373092 | xxxxxx | 09/09/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA address and city do not match the Note. |  | Reviewer Comment (2025-09-11): Updated CDA provided | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846436 | xxxxxx | 34669026 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Other, Tax Verification | Insurance not provided as well as tax cert does not reflect annual amount. Also, provided evidence property is free and clear. |  | Reviewer Comment (2025-10-21): Received Property Search to verify property is commercial condominium. Exception cleared. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846436 | xxxxxx | 34670670 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | As per guidelines documents may not be more than 120 days old at closing. File contains the most recent quarterly statement. Allowed as per guidelines. |  | Reviewer Comment (2025-10-27): Loan is NonQM.<br>Reviewer Comment (2025-10-10): Asset utilization income documents good for 120 days. Condition will be addressed once all other conditions on the file have been cleared / waived. | 10/27/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846436 | xxxxxx | 34670673 | xxxxxx | 10/10/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. | There is no evidence of required counseling disclosure language per xxxxxx HB 1399. |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846436 | xxxxxx | 34702735 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Other<br> Other<br> Other<br> Other | Provie evidence the properties are free and clear. An LOE from the borrower is not acceptable. |  | Reviewer Comment (2025-10-23): Received Property History report for xxxxxx, evidencing property is Free & Clear. Exception cleared.<br>Reviewer Comment (2025-10-21): Received REO data from xxxxxx to verify properties are free and clear for properties located at xxxxxx. Pending document to verify property is free and clear for property xxxxxx. Exception remains. | 10/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846449 | xxxxxx | 34449477 | xxxxxx | 09/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The history for the primary residence does not appear on credit. VOM and mortgage statement provided. Provide the borrower's 6 month pay history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-10-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-21): Received Mortgage Statement is for the subject property. However, the borrower's 6 month pay history is requested is for primary residence located at xxxxxx. Exception remains.<br>Reviewer Comment (2025-10-03): Received VOM was already in file. Provide proof of borrower's payment for the most recent 6-months. Exception remains.<br>Reviewer Comment (2025-09-30): Received Mortgage Statements is for property located at xxxxxx However the borrower's 6 month pay history requested is for primary residence located at xxxxxx. Exception remains. |  |  | 10/22/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846449 | xxxxxx | 34449500 | xxxxxx | 09/19/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-07): Email from title requesting updates<br>Reviewer Comment (2025-10-02): The incorrect and correct title polices are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates). | 10/07/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846459 | xxxxxx | 34443982 | xxxxxx | 09/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-09-23): Assets and currency converter provided | 09/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846459 | xxxxxx | 34481754 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | VISA's were not provided for xxxxxx. |  | Reviewer Comment (2025-10-02): Borrowers' nationality per passports is xxxxxx which does not require a VISA per the VISA waiver xxxxxx site provided. | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846459 | xxxxxx | 34481761 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | The lender utilized a 1007 for STR. None of the requirements were met per guidelines. Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following:<br> ▪ Provide the source of the data used to complete the STR analysis.<br> ▪ Include comparable STR properties, focusing on room count, gross living area (GLA), location, and market appeal.<br> ▪ Include daily rental rate and occupancy percentage.<br> ▪ Factor seasonality and vacancy into the analysis. |  | Reviewer Comment (2025-10-16): Updated appraisal provided with addendum noting the $3,200 was for LTR and $6,000 was STR.<br>Reviewer Comment (2025-10-03): Two updated 1007's were provided dated the same both for STR. One says $6,000 and one says $3,200. Appraiser to update which is the correct as per guidelines, if multiple sources are provided, the lowest of is to be utilized. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846475 | xxxxxx | 34716573 | xxxxxx | 09/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $73,070. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  | Reviewer Comment (2025-09-28): RCE received in trailing docs. | 09/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846481 | xxxxxx | 34542882 | xxxxxx | 09/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. Not reporting on fraud report. |  | Reviewer Comment (2025-09-30): Received Property History Report to verify property is free and clear. Exception cleared. | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846481 | xxxxxx | 34542922 | xxxxxx | 09/28/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Note, DOT and various credit documents reflect N/A in the address. Appears a unit number was removed and marked as N/A xxxxxx. There is no unit number in the address. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846484 | xxxxxx | 34272370 | xxxxxx | 08/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  | Reviewer Comment (2025-09-04): Received updated Fraud Report. Fraud and OFAC search run on the seller xxxxxx. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846501 | xxxxxx | 34583632 | xxxxxx | 10/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Other<br> Other | Provide Proof of Free and Clear - Current address xxxxxx & REO Property xxxxxx. |  | Reviewer Comment (2025-10-09): Received Property History Report to verify both properties are free and clear. Exception cleared. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846501 | xxxxxx | 34583652 | xxxxxx | 10/01/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $354.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | Lender Cure of $54.00 is reflecting in Final CD. |  | Reviewer Comment (2025-09-26): Sufficient Cure Provided At Closing |  | 09/26/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846501 | xxxxxx | 34606878 | xxxxxx | 10/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: Unit number is missing |  | Reviewer Comment (2025-10-09): Updated HOI provided | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846520 | xxxxxx | 34436018 | xxxxxx | 09/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Invetor Exception for a 75% LTV on the DSCR max is 70% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors |  |  | 09/18/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846520 | xxxxxx | 34436020 | xxxxxx | 09/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $100,000.00. | Investor Exception for loan amount below min of $100K. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors |  |  | 09/18/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846523 | xxxxxx | 34368512 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per LOE, there are two deposits into the borrower's bank account for $30,000 each. Although large deposits do not need to be sourced, the sourcing was provided. Per the borrower's LOE, these deposits were from a non-borrower's son that was the borrower's business partner that passed away. These would be gift funds but from an ineligible donor unless it can be proven these funds were inherited by the borrower. Funds are needed to qualify for closing / reserves. Gift letter was not provided nor exception to use gifts from an ineligible source. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-15): Condition cannot be cleared. Please re-review the original comments Per the borrower's LOE, these deposits were from a non-borrower's son that was the borrower's business partner that passed away. These would be gift funds but from an ineligible donor unless it can be proven these funds were inherited by the borrower. Funds are needed to qualify for closing / reserves. Gift letter was not provided nor exception to use gifts from an ineligible source. If the source is provided, it cannot be ignored. |  |  | 09/18/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846523 | xxxxxx | 34373536 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 months bank statements provided for borrower's primary residence. A third-party VOR is required for any file when the borrower is currently renting. |  | Reviewer Comment (2025-09-19): Received VOR and 6 month bank statement. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846554 | xxxxxx | 34326590 | xxxxxx | 09/05/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All tax liens (federal, state, and local) must be paid off prior to or at loan closing. |  | Reviewer Comment (2025-09-16): Release provided<br>Reviewer Comment (2025-09-09): The search is not acceptable. Provide evidence this specific lien is paid and released. | 09/16/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846554 | xxxxxx | 34342261 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-23): Approval provided<br>Reviewer Comment (2025-09-18): The approval document received lists the borrower's last name as the first name under the Borrower Info tab, while the last name field is left blank. Provide update approval. Exception remains.<br>Reviewer Comment (2025-09-16): The document provided is not for the Guarantor nor subject property.<br>Reviewer Comment (2025-09-12): Received loan submission from xxxxxx, however provide the cover page that list all the required details. Exception remains.<br>Reviewer Comment (2025-09-09): The document provided is not an approval. Provide the approval document. | 09/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846556 | xxxxxx | 34531108 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | The Contact Information section of the final CD did not disclose the Lender's Contact or Contact's xxxxxx ID. Provide a post-close CD correcting the section and a copy of the letter of explanation to the borrower disclosing the changes made or an attestation from the lender stating that no individual contact was used on the transaction. |  | Reviewer Comment (2025-10-01): SitusAMC received PCCD and LOE. |  | 10/01/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846556 | xxxxxx | 34531152 | xxxxxx | 09/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.18 is less than Guideline PITIA months reserves of 3.00. | Insufficient funds for reserves. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-08): Funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final H xxxxxx xxxxxx Statement. Cash back to borrower on R/T not allowed per guidelines.<br>Reviewer Comment (2025-10-01): The bank statement provided for xxxxxx was already in file with an end date of xxxxxx The file contain an updated statement for these accounts with end date xxxxxx with balances of $12,753.26 & $266.41. Borrower has insufficient reserves after total cash to close. |  |  | 10/09/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846556 | xxxxxx | 34531160 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient funds for reserves. |  | Reviewer Comment (2025-10-09): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-10-08): Funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final H xxxxxx xxxxxx Statement. Cash back to borrower on R/T not allowed per guidelines.<br>Reviewer Comment (2025-10-01): The bank statement provided for xxxxxx was already in file with an end date of xxxxxx The file contain an updated statement for these accounts with end date xxxxxx with balances of $12,753.26 & $266,41. Borrower has insufficient reserves after total cash to close. | 10/09/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846556 | xxxxxx | 34531161 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient funds for reserves. |  | Reviewer Comment (2025-10-09): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-10-08): Funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final H xxxxxx xxxxxx Statement. Cash back to borrower on R/T not allowed per guidelines.<br>Reviewer Comment (2025-10-01): The bank statement provided for xxxxxx was already in file with an end date of xxxxxx The file contain an updated statement for these accounts with end date xxxxxx with balances of $12,753.26 & $266,41. Borrower has insufficient reserves after total cash to close. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846556 | xxxxxx | 34549622 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,340.00 exceeds tolerance of $0.00. $2,340.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $2,340.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Reviewer Comment (2025-10-30): SitusAMC received Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Reviewer Comment (2025-10-28): SitusAMC received LOX, Check request form and proof of mailing. However, we would also require Post CD and Copy of refund check in order to cure the exception.<br>Reviewer Comment (2025-10-17): SitusAMC received valid COC dated xxxxxx indicates that borrower requested to buyout all lenders. But there seems to be no supporting document in the loan file for the borrower request to change. Moreover, there is no lender paid fees on CD dated xxxxxx and xxxxxx to remove and added the discount point fee. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise cure is required to borrower.<br>Reviewer Comment (2025-10-09): SitusAMC received post closer certification. but we also required supporting documentation of timeline for review and to provide information supporting lender's knowledge of when they became aware of the lender fee buyout.<br>Reviewer Comment (2025-10-07): SitusAMC received COC dated xxxxxx indicates Lender fee buyout added. However, we also required additional information on why the Lender fee buyout was added on the revised CD and was not known prior to and at initial application disclosure and to provide documentation of the reason for the buyout added. What new information was received that required add the lender fee buyout and when was that information received or Cure would be due to borrower.<br>Reviewer Comment (2025-10-01): SitusAMC received COC dated xxxxxx however the reason mentioned is not a valid. Kindly provide a valid reason as to why the loan discount point added on Cd dated xxxxxx for $2340 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  | 10/30/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846715 | xxxxxx | 34676411 | xxxxxx | 10/10/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-11-03): 2055E provided | 11/03/2025 |  |  | 1 | N/A | N/A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846715 | xxxxxx | 34676412 | xxxxxx | 10/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846715 | xxxxxx | 34676418 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of ownership | The CPA letter does not contain ownership percentage of the business. Just reflects "has operated". DBA's do not always mean 100% ownership. |  | Reviewer Comment (2025-11-04): Updated CPA letter dated prior to closing provided. | 11/04/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846715 | xxxxxx | 34676544 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The CPA letter does not contain ownership percentage of the business. Just reflects "has operated". DBA's do not always mean 100% ownership. |  | Reviewer Comment (2025-11-04): Updated CPA letter dated prior to closing provided. | 11/04/2025 |  |  | 1 | B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846715 | xxxxxx | 34676545 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The CPA letter does not contain ownership percentage of the business. Just reflects "has operated". DBA's do not always mean 100% ownership. |  | Reviewer Comment (2025-11-04): Updated CPA letter dated prior to closing provided. | 11/04/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846777 | xxxxxx | 34313728 | xxxxxx | 09/03/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Reflects Unit letters vs. Note which does not. |  | Reviewer Comment (2025-10-30): Received updated HOI Policy with correct subject property address. Exception cleared. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846777 | xxxxxx | 34318092 | xxxxxx | 09/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is dated xxxxxx . Must be dated within 90 days of the note date. |  | Reviewer Comment (2025-10-21): Receive COGS dated xxxxxx . Exception cleared. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846777 | xxxxxx | 34318247 | xxxxxx | 09/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-10-21): Received Operating Agreement. Exception cleared.<br>Reviewer Comment (2025-09-22): Received Operating Agreement for xxxxxx which was already in file. Provide Operating Agreement for xxxxxx. Exception remains. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846777 | xxxxxx | 34318572 | xxxxxx | 09/03/2025 | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | Lender exception in file. Investor must approve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-03): The documentation does not clear this condition. Leaseholds are not allowed per guidelines. |  |  | 11/10/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846777 | xxxxxx | 34318642 | xxxxxx | 09/03/2025 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | Provide a copy of the leasehold agreement. Ground rent to be added to ratios. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-07): The Parcel ID of the property does not match the details provided in the submitted documents. Additionally, the tax certificate shows a charge labeled 'Penalty & Others' amounting to $43.59, but it is unclear whether this penalty pertains to the leasehold." Exception remains.<br>Reviewer Comment (2025-11-04): Received is the court stipulation which was already in file. Provide leasehold agreement or renewal terms. Exception remains. |  |  | 11/10/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846777 | xxxxxx | 34324819 | xxxxxx | 09/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide a copy of the fully executed lease agreement (rent receipts only provided). |  | Reviewer Comment (2025-09-22): Received Lease agreement. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846777 | xxxxxx | 34324834 | xxxxxx | 09/03/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for the subject property does not appear on credit. VOM, Payoff and copy of the Note provided. Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-10-31): A VOM reflecting 0 lates from xxxxxx for the subject property was provided.<br>Reviewer Comment (2025-10-30): Received VOM, however the document requested is for borrower's payment for the most recent 6-months. Exception remains. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846798 | xxxxxx | 34452596 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | investor Exception in file for investor concentration > 60%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-19): Client elects to waive with verified compensation factors |  |  | 09/19/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846798 | xxxxxx | 34500124 | xxxxxx | 09/19/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HO6- Mortgagee + ISAOA is missing |  | Reviewer Comment (2025-09-24): Updated HO6 provided | 09/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846840 | xxxxxx | 34613882 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The CPA letter provided does not state the business name as xxxxxx but "xxxxxx xxxxxx". The business name is xxxxxx per all documents in file. No evidence businesses are one in the same. |  | Reviewer Comment (2025-10-21): Updated CPA letter provided dated prior to closing. | 10/21/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846840 | xxxxxx | 34613928 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The CPA letter provided does not state the business name as xxxxxx but "xxxxxx xxxxxx". The business name is xxxxxx per all documents in file. No evidence businesses are one in the same. |  | Reviewer Comment (2025-10-21): Updated CPA letter provided dated prior to closing. | 10/21/2025 |  |  | 1 | B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846840 | xxxxxx | 34613929 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The CPA letter provided does not state the business name as xxxxxx but "xxxxxx xxxxxx". The business name is xxxxxx per all documents in file. No evidence businesses are one in the same. |  | Reviewer Comment (2025-10-21): Updated CPA letter provided dated prior to closing. | 10/21/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846840 | xxxxxx | 34613931 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.00 exceeds tolerance of $8.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) | Lender cure of $2.00 is reflecting on Final CD. |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 | A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846840 | xxxxxx | 34613937 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-10-07): SitusAMC received initial CD dated xxxxxx . | 10/07/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846840 | xxxxxx | 34626836 | xxxxxx | 10/03/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee is missing ISAOA |  | Reviewer Comment (2025-10-15): Updated HOI provided. Per client, allows updates to mortgagee post close but noted on pre-close policy. | 10/15/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846859 | xxxxxx | 34600192 | xxxxxx | 10/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-08): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846859 | xxxxxx | 34600291 | xxxxxx | 10/06/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing |  | Reviewer Comment (2025-10-07): Updated HOI provided | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846865 | xxxxxx | 34600330 | xxxxxx | 10/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-08): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846916 | xxxxxx | 34343998 | xxxxxx | 09/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-11): Received Certificate of Good Standing. Exception cleared. | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846920 | xxxxxx | 34544812 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | OA in file is not executed. |  | Reviewer Comment (2025-10-03): Received executed Operating Agreement. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846920 | xxxxxx | 34590186 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-10-03): Received Fraud and OFAC search run for the seller, xxxxxx. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846922 | xxxxxx | 34574504 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | OA in file is not executed. |  | Reviewer Comment (2025-10-02): Executed OA provided | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846922 | xxxxxx | 34574508 | xxxxxx | 09/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide citizenship status for borrower xxxxxx. Final 1003 is blank. |  | Reviewer Comment (2025-10-02): Updated 1003 provided | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846922 | xxxxxx | 34574509 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  | Reviewer Comment (2025-10-03): Received Fraud and OFAC searches run on Property Seller, xxxxxx. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846948 | xxxxxx | 34585366 | xxxxxx | 10/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the OA or Borrowing Cert. |  | Reviewer Comment (2025-10-09): Received Operating Agreement. Exception cleared.<br>Reviewer Comment (2025-10-06): Received Articles of Organization. However the document requested is for Operating Agreement or Borrowing Cert. Exception remains. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846965 | xxxxxx | 34515300 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-10-02): Received 1008 with UW name. Exception cleared. | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846965 | xxxxxx | 34540461 | xxxxxx | 09/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title Policy: City does not match and zip code is missing | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-09): Email to investor: Please confirm that the subject is located in xxxxxx and not xxxxxx. The post office that received the mail for the zip code could be in xxxxxx only vs. the subject property. If the actual city is xxxxxx then we can clear the condition. If the actual city is xxxxxx, then all documents will need to be updated.<br>Reviewer Comment (2025-10-09): The same FTP was provided that was previously provided. If the address is xxxxxx then xxxxxx needs to be removed from the city.<br>Reviewer Comment (2025-10-09): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-10-03): FTP provided however still reflects city of xxxxxx and now no zip code and then reflects mailing address of xxxxxx and zip of xxxxxx (not AKA). |  |  | 10/14/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846967 | xxxxxx | 34425319 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-10-01): 1008 w/ UW name provided | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846967 | xxxxxx | 34425320 | xxxxxx | 09/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per the mortgage statement for the subject property, the loan matured in xxxxxx. Provide the extension. |  | Reviewer Comment (2025-10-09): Extension provided and fee added to payoff paid at closing. Original lien holder notes if paid by xxxxxx extended.<br>Reviewer Comment (2025-10-09): Email to investor: The document you provided below is not the extension but the original Note signed in xxxxxx. The loan matured in xxxxxx . I do see the lender provided an invoice dated xxxxxx with an fee for extension of $9,175, which if paid, the correspondence says extends the maturity to xxxxxx , however there is no evidence this has been paid. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846967 | xxxxxx | 34477280 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | OA for xxxxxx is not signed or dated. |  | Reviewer Comment (2025-10-01): Received signed copy of Operating Agreement for xxxxxx. Exception cleared. | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846967 | xxxxxx | 34477350 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Documents missing for xxxxxx ---Articles of Formation, EIN and Operating Agreement |  | Reviewer Comment (2025-10-09): Received xxxxxx ---Articles of Formation. Exception cleared.<br>Reviewer Comment (2025-10-03): Received EIN document for xxxxxx. Provide Articles of Formation for xxxxxx. Exception remains.<br>Reviewer Comment (2025-10-01): Received signed copy of Operating Agreement for xxxxxx; however, also require Articles of Formation and EIN document. Exception remains. | 10/09/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846967 | xxxxxx | 34477355 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Final Title policy provided reflects multiple liens, including a secondary lien. |  | Reviewer Comment (2025-10-16): Per investor email, accepting FTP as is noting schedule A looks like this for CEMA agreement on Schedule A.<br>Reviewer Comment (2025-09-25): Understood this is a CEMA loan however the loan amounts for each mortgage exceed the current loan amount. Review item 4 on title. | 10/16/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846985 | xxxxxx | 34395782 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Policy notes requirements for release of tax liens and judgments found. |  | Reviewer Comment (2025-09-18): Email from title provided stating will not appear on final title.<br>Reviewer Comment (2025-09-16): The condition cannot be waived and the document provided is not acceptable. The clear final title policy will be required or the a supplement from title stating the tax liens and judgements will not appear on the final title. | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847002 | xxxxxx | 34762194 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx , Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes<br> Occupancy: Investment; Declarations/Will borrower occupy: Yes | Subject transaction is Refinance of Investment Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as Yes. Provide the corrected 1003. |  | Reviewer Comment (2025-10-29): Received corrected 1003. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847002 | xxxxxx | 34771894 | xxxxxx | 10/24/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-10-28): Initial signed and dated 1003 provided | 10/28/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847002 | xxxxxx | 34771915 | xxxxxx | 10/24/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide an updated final 1003 form that reflects the investment subject property xxxxxx under the REO section. Note that the property xxxxxx has already been updated twice. Additional conditions may apply based on this update. |  | Reviewer Comment (2025-10-29): Received corrected 1003. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847002 | xxxxxx | 34772136 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | As the loan is closing in the name of "xxxxxx", please provide the following documentation to support the entity's eligibility: 1) Certificate of Good Standing or a screenshot from the official state website confirming active status. 2) Guarantee Agreement, 3) Operating Agreement and 4) EIN/Tax Identification Number. |  | Reviewer Comment (2025-11-17): Received Guarantee Agreement. Exception cleared.<br>Reviewer Comment (2025-11-13): Received Trust Agreement. Pending receipt of Guarantee Agreement. Exception remains.<br>Reviewer Comment (2025-11-10): Received Membership transfer agreement agreement reflects the ownership transferred from xxxxxx to the xxxxxx - xxxxxx dated xxxxxx. Provide Trust Agreement. Also provide Guarantee Agreement. Exception remains.<br>Reviewer Comment (2025-11-05): Received screenshot from the official state website confirming active status with pulled date. Provide as per the operating agreement 100% owner of xxxxxx is xxxxxx provide documentation to support the entity's eligibility: 1) Certificate of Good Standing or a screenshot from the official state website confirming active status. 2) Guarantee Agreement, 3) Operating Agreement and 4) EIN/Tax Identification Number. <br> 2. Guarantee Agreement for xxxxxx. Exception remains.<br>Reviewer Comment (2025-10-29): Received EIN and Articles of Organization. Also received Business Entity Listing however the pulled date is missing on the document. 1. Provide business Entity Listing with pulled date. <br> 2. As per the operating agreement 100% owner of xxxxxx is xxxxxx provide documentation to support the entity's eligibility: 1) Certificate of Good Standing or a screenshot from the official state website confirming active status. 2) Guarantee Agreement, 3) Operating Agreement and 4) EIN/Tax Identification Number. <br> 3 Guarantee Agreement for xxxxxx. Exception remains. | 11/17/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847002 | xxxxxx | 34772380 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  | Reviewer Comment (2025-10-28): Initial signed and dated 1003 provided | 10/28/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847002 | xxxxxx | 34794677 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost and Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Dec page, initial and final 1003, reflects intent to occupy. Provide the corrected 1003 and lender attestation on error. |  | Reviewer Comment (2025-11-03): Updated 1003 and lender attestation provided<br>Reviewer Comment (2025-10-29): Received corrected 1003. Please provide the Lender Attestation Letter detailing the error. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847003 | xxxxxx | 34419302 | xxxxxx | 09/16/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Investor exception in file for LTV due to loan amount is < $150K and max LTV is 70% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847005 | xxxxxx | 34402357 | xxxxxx | 09/16/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-15): Client elects to waive |  |  | 09/15/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847005 | xxxxxx | 34450408 | xxxxxx | 09/16/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | HOI reflects an effective date of xxxxxx and expiration date of xxxxxx . |  | Reviewer Comment (2025-09-18): Updated HOI provided | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847005 | xxxxxx | 34450414 | xxxxxx | 09/16/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  |  |  | Reviewer Comment (2025-09-18): Updated HOI provided | 09/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847008 | xxxxxx | 34495453 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report missing. Must include all participants. |  | Reviewer Comment (2025-10-15): Received cleared Fraud Report. Exception cleared.<br>Reviewer Comment (2025-10-14): Received full fraud report. All participants are included in fraud and OFAC search. However there are red flags that are not addressed. Provide a clearance LOE, clearance report, cleared fraud report. Exception remains. | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847008 | xxxxxx | 34495456 | xxxxxx | 09/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-10): Received OFAC search for borrower. Exception cleared. | 10/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847008 | xxxxxx | 34495459 | xxxxxx | 09/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Account # xxxxxx was provided with no name / account ownership. Needed to qualify as sale of assets were deposited into account #xxxxxx and then transferred to this new account. |  | Reviewer Comment (2025-10-14): Received bank statement for account # xxxxxx to verify the account belongs to both borrowers. Exception cleared. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847050 | xxxxxx | 34732280 | xxxxxx | 10/20/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Borrower has 8 NSFs in 12 months, which exceeds guidelines maximum of 5 in 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-22): Client elect to waive with verified compensation factors<br>Reviewer Comment (2025-10-21): Fees were charged therefore counted |  |  | 10/22/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34732387 | xxxxxx | 10/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Property History Report to verify borrower does not own property located at xxxxxx. |  | Reviewer Comment (2025-11-21): Receive LOE from borrower, lender attestation on error, and updated same name affidavit for proof property is owned by xxxxxx and not xxxxxx (our borrower per Driver's License). Property is owned by borrower's father / father's trust.<br>Reviewer Comment (2025-11-13): The property history report reflects borrower name under original name. Therefore the property needs to be added in REO and must be included into DTI. Provide corrected 1003 and document to verify PITIA. Exception remains.<br>Reviewer Comment (2025-11-04): Received Property History Report wherein Owner name reflects in Owner Information. Provide Trust agreement or Letter of Explanation stating borrower has no beneficial interest. Exception remains. | 11/21/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34732453 | xxxxxx | 10/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-11-19): FTP provided | 11/19/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34732650 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing initial Closing Disclosure. |  | Reviewer Comment (2025-11-03): SitusAMC received CD dated xxxxxx  | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34732651 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $506.00 exceeds tolerance of $371.00 plus 10% or $408.10. $97.90 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance was exceeded by $97.90 due to the increase in recording fees. No valid COC was provided. |  | Reviewer Comment (2025-11-19): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-11-11): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34732652 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $24,487.50 exceeds tolerance of $23,625.00. $862.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from $23,625.00 on the initial Loan Estimate to $24,487.50 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-11-11): SitusAMC received COC and CD | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34756609 | xxxxxx | 10/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence the tax liens and judgements on title were satisfied. The final CD shows payoffs in Section H but the amounts don't match. |  | Reviewer Comment (2025-11-19): Clear FTP provided<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-11-10): The same documents were provided that were previously provided on xxxxxx . Please see previous comments: Received payoff for 2 tax liens and 1 judgement which covers items on title e, f, g. Still pending receipt item d is cleared as this was not paid though closing. Provide the clear title policy.<br>Reviewer Comment (2025-11-03): Received payoff for 2 tax liens and 1 judgement which covers items on title e, f, g. Still pending receipt item d is cleared as this was not paid though closing. Provide the clear title policy. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34756693 | xxxxxx | 10/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-10-29): Received UDM dated xxxxxx . Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847050 | xxxxxx | 34756754 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-10-21): Client elects to waive |  |  | 10/21/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847104 | xxxxxx | 34657279 | xxxxxx | 10/10/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not meet the minimum FICO of 720 for an escrow waiver (Overlays for Lender notes reserves are not required for waiver). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors |  |  | 10/21/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847110 | xxxxxx | 34392093 | xxxxxx | 08/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception required to allow xxxxxx project with recent conversion - Subject was build in xxxxxx as xxxxxx, converted to xxxxxx in xxxxxx. Conversion docs in file, with structural report showing all items is good condition. Developer owns 80% of units has been approved. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-27): Client elects to downgrade and waive based on the following compensating factors: <br> Developer owns 80% of units has been approved.<br> Borrower has low LVT of 50% and down payment of own funds of at least 5% |  |  | 08/27/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847110 | xxxxxx | 34392094 | xxxxxx | 08/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The HUD provided is not signed. |  | Reviewer Comment (2025-09-04): Provided and cleared | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847110 | xxxxxx | 34392095 | xxxxxx | 08/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-04): Provided and cleared | 09/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847118 | xxxxxx | 34392097 | xxxxxx | 08/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $100,000.00. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $100,000.00. Guideline Requirement not Meet. | Borrower has owned the subject property for at least 5 years.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-08-29): Client elects to downgrade and waive based on the following compensating factors: <br> The DSCR of 1.185% is greater than the minimum required DSCR of 1.00%<br> Borrower LTV below 70%, FICO 640 guidelines requirement 620 |  |  | 08/29/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847118 | xxxxxx | 34392098 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  | Reviewer Comment (2025-09-05): Confirmed, exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847118 | xxxxxx | 34392099 | xxxxxx | 08/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for loan amount less than $100k minimum, compensating factors low LTV 70%, DSCR 1.185% guides require 1.00%, | Borrower has owned the subject property for at least 5 years.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-08-29): Client elects to downgrade and waive based on the following compensating factors: <br> The DSCR of 1.185% is greater than the minimum required DSCR of 1.00%<br> Borrower LTV below 70%, FICO 640 guidelines requirement 620 |  |  | 08/29/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847126 | xxxxxx | 34358498 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow xxxxxx unit property that has xxxxxx unit less than the min. required square footage (400 is min) - actual square feet is xxxxxx % does not have xxxxxx. Other is xxxxxx square ft, compensating factors - credit and reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-02): Client elects to downgrade and waive based on compensating factors:<br> Borrower has FICO of 802, requirement 680<br> Borrower has 24 plus months in reserves, no required. |  |  | 09/02/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847210 | xxxxxx | 34443689 | xxxxxx | 09/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-09-22): FTP provided | 09/22/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847210 | xxxxxx | 34443721 | xxxxxx | 09/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. Mortgage Statement provided. Provide the 12 month housing history (depending on docs provided, 6 month borrower pay history may also be required). |  | Reviewer Comment (2025-09-30): Received 12 months mortgage statement. Exception cleared.<br>Reviewer Comment (2025-09-24): Received Credit Report does not reflect housing history for the subject property. Provide 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer and Proof of borrower's payment for the most recent 6-months. Exception remains. | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847210 | xxxxxx | 34479293 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated only in file. Must reflect defaulted taxes on title paid through closing. |  | Reviewer Comment (2025-09-22): Clear FTP provided<br>Reviewer Comment (2025-09-19): Final stamped settlement statement provided, however it does not reflect the defaulted taxes paid through closing. Provide evidence of the defaulted taxes were paid in full. | 09/22/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847302 | xxxxxx | 34533548 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-10-01): Received updated Fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847309 | xxxxxx | 34520078 | xxxxxx | 09/25/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not meet the minimum 720 FICO for an escrow waiver. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847309 | xxxxxx | 34540942 | xxxxxx | 09/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | 1031 exchange was for the benefit of a trust. Provide the trust agreement to verify 100% access to funds. |  | Reviewer Comment (2025-10-01): Received Trust Agreement, borrower is the trust. Exception cleared. | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847327 | xxxxxx | 34531740 | xxxxxx | 09/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy and Supplement: City does not match |  | Reviewer Comment (2025-09-25): Supplement provided | 09/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847327 | xxxxxx | 34531755 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file. Must reflect delinquent taxes as paid (if not paid on final settlement statement, must provide proof paid). |  | Reviewer Comment (2025-09-30): Tax Cert provided reflecting taxes paid<br>Reviewer Comment (2025-09-29): Final stamped settlement statement provided, however does not reflect delinq taxes on title as paid. Provide evidence taxes are paid in full. | 09/30/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847359 | xxxxxx | 34657607 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-10-16): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847359 | xxxxxx | 34657608 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,134.00 exceeds tolerance of $1,128.00. $6.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Cure not valid COC provided |  | Reviewer Comment (2025-10-21): SitusAMC Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-10-16): SitusAMC received COC dated xxxxxx for the transfer taxes increased. but it does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847359 | xxxxxx | 34676932 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $0.00. $570.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | COC provided is not valid. Appraisal is in the name of the existing lender and using an appraisal from a previous transaction would not add an appraisal fee. |  | Reviewer Comment (2025-11-04): SitusAMC received Final Settlement statement, Letter of explanation and Corrected Closing disclosure.<br>Reviewer Comment (2025-10-31): SitusAMC received corrected PCCD and closing statement, however we also require LOE which accompanied the PCCD to finalize<br>Reviewer Comment (2025-10-22): SitusAMC received final SS and rebuttal comment. If the fee was not included in any of the debts or credit for this transaction, then situsAMC required corrected CD with LOX to borrower to remove the appraisal fee from this transaction per Final SS to complete remediation.<br>Reviewer Comment (2025-10-21): SitusAMC Received COC dated xxxxxx states Appraisal were used from previous transaction and no new appraisal received in file. The Appraisal fee should not have been charged as Appraisal re-inspection fee was charged for re-certification of value. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-10-16): SitusAMC: The COC dated xxxxxx that was provided in the trailing images was also provided in the original loan package indicates that the appraisal used from a previous transaction therefore the fee was added. However, the lender would have been known that the previous appraisal was used for this transaction due to initial appraisal dated xxxxxx was present in the loan file at the time of initial review. As it was not new knowledge the fee was added. If there was an additional reason the fee added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847359 | xxxxxx | 34676934 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. $185.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | COC provided is not valid. Appraisal was completed on xxxxxx so a recert of value should have been known at that time. |  | Reviewer Comment (2025-10-21): SitusAMC Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-10-16): SitusAMC: The COC dated xxxxxx that was provided in the trailing images was also provided in the original loan package indicates that the appraisal re-inspection fee added due to re-cert of value. However, the lender would have been known that the previous appraisal was completed on xxxxxx and recertification was required due to the initial appraisal being expired before closing. As it was not new knowledge to add the re-certification fee on revised LE dated xxxxxx . If there was an additional reason the fee added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847361 | xxxxxx | 34534212 | xxxxxx | 09/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | xxxxxx Purchases: Loans secured by property located in the state of xxxxxx made to foreign principals, persons, and entities are to include one of the following Affidavits published by the xxxxxx:<br> o Conveyances to Foreign Entities – By Individual Buyer<br> o Conveyances to Foreign Entities – By Entity Buyer |  | Reviewer Comment (2025-10-06): Associated Citizenship Affidavit. Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847361 | xxxxxx | 34534359 | xxxxxx | 09/29/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Unit number is missing from ARR |  | Reviewer Comment (2025-10-08): Updated ARR provided<br>Reviewer Comment (2025-10-03): The ARR provided reflects #xxxxxx. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847381 | xxxxxx | 34667530 | xxxxxx | 09/03/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.92 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.81 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-10-03): Comp factors used to waive exception |  |  | 10/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847381 | xxxxxx | 34667532 | xxxxxx | 09/03/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | A valid project review is required for all condominium transactions, OR a completed xxxxxx Mortgage <br> Condominium Project Questionnaire (or equivalent form). The Condominium Project Questionnaire may <br> not be greater than 120 days old at the time of closing |  | Reviewer Comment (2025-10-03): Provided | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847399 | xxxxxx | 34632672 | xxxxxx | 10/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.9, xxxxxx CU 4.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-10-09): CDA provided<br>Reviewer Comment (2025-10-09): No new document was uploaded in clarity. Please provide the document as requested on the original condition. Exception remains. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847399 | xxxxxx | 34632715 | xxxxxx | 10/03/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Appraiser notes Tenant Occupied. 1007 reflects currently not rented. Per guidelines, if property is tenant occupied and lease agreement is not provided, capped at 70% and 1007 must, at minimum, reflect actual rents to ensure within 120% of estimated rents. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-08): Client elects to waive with verified compensation factors |  |  | 10/08/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847411 | xxxxxx | 34807186 | xxxxxx | 10/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.44485% exceeds Guideline total debt ratio of 50.00000%. | Gap report reflects a new debt taken out with xxxxxx that was not added to the ratios. |  | Reviewer Comment (2025-11-06): 1 xxxxxx and 1 xxxxxx paid by business based on documents submitted in trailing documents. Matches business bank statements in file. Rental income was already considered at time of review. DTI within guidelines.<br>Reviewer Comment (2025-11-03): The documents provided do not clear the condition. The debt was added to the ratios at time of review and exceeds the DTI requirement. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847411 | xxxxxx | 34807189 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gap report reflects a new debt taken out with xxxxxx that was not added to the ratios. |  | Reviewer Comment (2025-11-06): 1 xxxxxx and 1 xxxxxx paid by business based on documents submitted in trailing documents. Matches business bank statements in file. Rental income was already considered at time of review. DTI within guidelines.<br>Reviewer Comment (2025-11-03): The documents provided do not clear the condition. The debt was added to the ratios at time of review and exceeds the DTI requirement. | 11/06/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847411 | xxxxxx | 34807190 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Gap report reflects a new debt taken out with xxxxxx that was not added to the ratios. |  | Reviewer Comment (2025-11-06): 1 xxxxxx and 1 xxxxxx paid by business based on documents submitted in trailing documents. Matches business bank statements in file. Rental income was already considered at time of review. DTI within guidelines.<br>Reviewer Comment (2025-11-03): The documents provided do not clear the condition. The debt was added to the ratios at time of review and exceeds the DTI requirement. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847411 | xxxxxx | 34807191 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 51.44485% and based on 1026.43(c)(5) of 51.44% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Gap report reflects a new debt taken out with xxxxxx that was not added to the ratios. |  | Reviewer Comment (2025-11-06): 1 xxxxxx and 1 xxxxxx paid by business based on documents submitted in trailing documents. Matches business bank statements in file. Rental income was already considered at time of review. DTI within guidelines.<br>Reviewer Comment (2025-11-03): The documents provided do not clear the condition. The debt was added to the ratios at time of review and exceeds the DTI requirement. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847467 | xxxxxx | 34575518 | xxxxxx | 10/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust Agreement required for The xxxxxx |  | Reviewer Comment (2025-10-09): Borrower is accepting borrower LOE as trustee regarding 100% access. Requested clearance.<br>Reviewer Comment (2025-10-06): Received LOE is not acceptable. Provide Trust Agreement for The xxxxxx. Exception remains. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847467 | xxxxxx | 34601119 | xxxxxx | 10/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, sellers, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-10-03): Received Mortgage Participant List for sellers, xxxxxx and xxxxxx. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847482 | xxxxxx | 34531441 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-25): Received Eligibility Review with conditions. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847526 | xxxxxx | 34593897 | xxxxxx | 10/03/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-10): Received xxxxxx Short Form Loan Policy. Exception cleared. | 10/10/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847526 | xxxxxx | 34593898 | xxxxxx | 10/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-10): Received xxxxxx Short Form Loan Policy. Exception cleared. | 10/10/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847526 | xxxxxx | 34614117 | xxxxxx | 10/03/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The borrower just purchased their current primary 1 month ago. Previous lived at xxxxxx. Lien for xxxxxx not reporting on credit and fraud report reflects both in borrower and non-borrower name. Provide the housing history for a complete 12 months. |  | Reviewer Comment (2025-10-14): Received Substitution of Trustee and Full reconveyance for lien xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-10): Received HOI policy is not acceptable to verify property is free and clear. Also, received Property History Report contains only 2 pages, in which unable to identify if the mortgage lien in amount xxxxxx is released, as Substitution of Trustee and Full Reconveyance does not list the loan amount. Provide full property history report or satisfaction letter (Substitution of Trustee and Full Reconveyance) to verify the mortgage lien is released. Exception remains. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847543 | xxxxxx | 34450018 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | investor Exception for HOA does not track occupancy for the project | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-09-19): Client elects to waive with verified compensation factors |  |  | 09/19/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847543 | xxxxxx | 34499709 | xxxxxx | 09/19/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-09-30): Received pre-close appraisal. Exception cleared.<br>Reviewer Comment (2025-09-26): The LOX is not acceptable to clear this condition, even though the Appraisal reflected incorrect Unit numbers, the appraisal prior to closing needs to be provided. Exception remains. | 09/30/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847543 | xxxxxx | 34499712 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxxxx > 30 years old in xxxxxx. Provide the structural inspection. |  | Reviewer Comment (2025-09-26): Received structural inspection. Exception cleared. | 09/26/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847582 | xxxxxx | 34658451 | xxxxxx | 10/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide business purpose certificate. |  | Reviewer Comment (2025-11-03): BP Cert provided | 11/03/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847582 | xxxxxx | 34658486 | xxxxxx | 10/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-11-03): FTP provided | 11/03/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847582 | xxxxxx | 34664709 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Address is missing xxxxxx |  | Reviewer Comment (2025-11-03): Updated FTP provided | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847585 | xxxxxx | 34541057 | xxxxxx | 09/29/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-09-30): E-Consent provided | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847585 | xxxxxx | 34541132 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence the property on xxxxxx is free and clear. The fraud report in file reflects the xxxxxx lien not on credit. If not free and clear, provide the 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer, Note or Mortgage statement, and proof of borrower's payment for the most recent 6-months. |  | Reviewer Comment (2025-09-30): Evidence of free and clear provided | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847585 | xxxxxx | 34587612 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business purpose certificate not provided in file | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-07): Client elects to waive with verified compensation factors |  |  | 11/07/2025 | 2 | C B | C B | C | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | 34594492 | xxxxxx | 10/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The provided HO6 policy in file reflects xxxxxx Unit xxxxxx vs Note address Unit xxxxxx". |  | Reviewer Comment (2025-10-08): Updated HO6 provided | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | 34594498 | xxxxxx | 10/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of Ownership | The provided Certificate of Good Standing does not reflect the proof of business ownership percentage and reflects an additional officer. Provide additional documents to verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-11-05): OA provided reflecting sole owner<br>Reviewer Comment (2025-10-08): The document provided is not acceptable. Anyone can be a registered agent for a business. The document provided also reflects another xxxxxx outside of the borrower, which is xxxxxx. Evidence of actual ownership % is required dated at or prior to closing. | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | 34594543 | xxxxxx | 10/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The authorized signors for xxxxxx, are missing. |  | Reviewer Comment (2025-10-15): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | 34594548 | xxxxxx | 10/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The provided Certificate of Good Standing does not reflect the proof of business ownership percentage and reflects an additional officer. Provide additional documents to verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-11-05): OA provided reflecting sole owner<br>Reviewer Comment (2025-10-08): The document provided is not acceptable. Anyone can be a registered agent for a business. The document provided also reflects another xxxxxx outside of the borrower, which is xxxxxx. Evidence of actual ownership % is required dated at or prior to closing. | 11/05/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | 34594550 | xxxxxx | 10/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The provided Certificate of Good Standing does not reflect the proof of business ownership percentage and reflects an additional officer. Provide additional documents to verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-11-05): OA provided reflecting sole owner<br>Reviewer Comment (2025-10-08): The document provided is not acceptable. Anyone can be a registered agent for a business. The document provided also reflects another xxxxxx outside of the borrower, which is xxxxxx. Evidence of actual ownership % is required dated at or prior to closing. | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847692 | xxxxxx | 34680570 | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx., xxxxxx, and xxxxxx., were not included in the report. |  | Reviewer Comment (2025-10-15): Received updated Fraud Report. Fraud & OFAC searches run on all the participants, authorized signor's for the seller, xxxxxx, xxxxxx xxxxxx, and xxxxxx. Exception cleared. | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847692 | xxxxxx | 34680576 | xxxxxx | 10/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception Request- Exception request for xxxxxx unit having a sq ft of xxxxxx vs minimum required of 400. Provide the approved form with verified compensation factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-15): As noted previously, the investor form is not the approved form with comp factors and only the requested. The approved form with comp factors is required. Assigned to investor.<br>Reviewer Comment (2025-10-14): The same documents were provided that were in file. All exceptions must come from the investor. The investor form provided is the request vs. the approved exception with comp factors. |  |  | 10/15/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847712 | xxxxxx | 34701373 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-10-13): Client elects to waive |  |  | 10/13/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847712 | xxxxxx | 34701376 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-10-17): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 10/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847712 | xxxxxx | 34701377 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $695.00. $80.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-11-11): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-11-05): SitusAMC received LE dated xxxxxx along with COC dated xxxxxx however the reason mentioned is not valid. Kindly provide a valid COC as to why the Appraisal fee increased on LE dated xxxxxx or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-11-03): SitusAMC received LE dated xxxxxx along with COC dated xxxxxx however the reason mentioned is not valid. Kindly provide a valid COC as to why the Appraisal fee increased on LE dated xxxxxx or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-10-17): SitusAMC Received COC dated xxxxxx states Appraisal fee increased to $775 based on invoice is not acceptable reason. Also, file is missing corresponding xxxxxx for COC dated xxxxxx . Provide Valid COC with additional information along with CD or provide Cure Docs Docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing. |  | 11/11/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847712 | xxxxxx | 34701378 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Cure nor valid COC provided |  | Reviewer Comment (2025-11-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-11-03): SitusaMC received COC dated xxxxxx however the fee added on CD dated xxxxxx for $165. Kindly provide a valid COC for the second appraisal fee added on CD dated xxxxxx for $165 or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-10-17): "SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Appraisal fee $165 added on CD dated xxxxxx . In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> " | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847744 | xxxxxx | 34533396 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-30): Approval provided | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847744 | xxxxxx | 34533407 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Closing Statement in the file. Provide Final document (HUD-1, CD /Closing statement) |  | Reviewer Comment (2025-09-30): Final stamped settlement statement provided | 09/30/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847744 | xxxxxx | 34533420 | xxxxxx | 09/29/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-09-30): Later dated updated title and supplement provided | 09/30/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847744 | xxxxxx | 34533466 | xxxxxx | 09/29/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx unit property - HOI shows address as xxxxxx VS, Address given on Note document - xxxxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-30): As noted, the HOI is only for one of the polices. Multiple policies on the property. The RCE is not acceptable as it notes the property is a xxxxxx family when it is a xxxxxx family. All corrected policies need to be provided.<br>Reviewer Comment (2025-09-30): The HOI is only for one of the polices. Multiple policies on the property. |  |  | 10/02/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847744 | xxxxxx | 34590414 | xxxxxx | 09/29/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal with report date of xxxxxx is missing the subject property interior & exterior photos and comparable photos. Signature of appraiser is also missing. |  | Reviewer Comment (2025-09-30): Complete appraisal provided<br>Reviewer Comment (2025-09-30): The appraisal is cut off at the bottom on each page. Provide the the clear appraisal. | 09/30/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847822 | xxxxxx | 34476338 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  | Reviewer Comment (2025-09-11): Provided | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847822 | xxxxxx | 34476339 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  | Reviewer Comment (2025-09-11): The borrowing entity xxxxxx is owned 100% . The 100% (xxxxxx) Member signed the loan documents. In this scenario, we do not require a corporate resolution. | 09/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847826 | xxxxxx | 34545624 | xxxxxx | 09/09/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-09-19): 1004 provided, exception cleared.<br>Reviewer Comment (2025-09-19): An appraisal is required and missing from the file. Per closing statement, the appraisal was done by ACT appraisal. POC borrower $610.00, please provide<br>Reviewer Comment (2025-09-15): Reviewed file again not finding the appraisal. Per closing statement, the appraisal was done by ACT appraisal. POC borrower $610.00, please provide | 09/19/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 847826 | xxxxxx | 34545626 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | The subject property is located in a FEMA disaster area and no post disaster inspection report was provided. |  | Reviewer Comment (2025-09-19): 1004 provided, exception cleared.<br>Reviewer Comment (2025-09-19): Once we receive a full appraisal showing no evidence of damage we will clear this exception.<br>Reviewer Comment (2025-09-15): This will be cleared when appraisal provided. Reviewed file again not finding the appraisal. Per closing statement, the appraisal was done by ACT appraisal. POC borrower $610.00, please provide | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 847826 | xxxxxx | 34545627 | xxxxxx | 09/09/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is not provided in file |  | Reviewer Comment (2025-09-19): 1004 appraisal provided, exception cleared.<br>Reviewer Comment (2025-09-19): The appraisal invoice shows it was completed by ACT Appraisal however there is no appraisal in the file. | 09/19/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 847852 | xxxxxx | 34593556 | xxxxxx | 09/30/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA - Address xxxxxx vs. Note xxxxxx |  | Reviewer Comment (2025-10-02): Updated CDA provided | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847862 | xxxxxx | 34808668 | xxxxxx | 10/31/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-10-31): The client elects to waive. |  |  | 10/31/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847862 | xxxxxx | 34852493 | xxxxxx | 10/31/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal provided is from the original purchase on xxxxxx . Appraisal shows xxxxxx unit with one as tenant occupied and one as vacant. Current transaction is a rate/term refinance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-06): There isn't anything in the lender's guidelines or lender's overlays that state a previous transaction's appraisal can be utilized. |  |  | 11/06/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847876 | xxxxxx | 34591466 | xxxxxx | 10/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The HOA cert has the borrower's name blacked out and reflects a borrower address of B3. It appears this HOA cert is from another file or another borrower. |  | Reviewer Comment (2025-10-07): Received HOA Questionnaire. Exception cleared. | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847876 | xxxxxx | 34611183 | xxxxxx | 10/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx, is missing. |  | Reviewer Comment (2025-10-21): Received Fraud and OFAC Search run on Seller xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-17): Received Fraud Report, fraud and OFAC search is run on the selling entity. However it must be run on the individual. Please provided fraud and OFAC search for the seller, xxxxxx. Exception remains.<br>Reviewer Comment (2025-10-09): Received updated Fraud Report, fraud and OFAC search is run on the selling entity. However it must be run on the individual. Please provided fraud and OFAC search for the seller, xxxxxx. Exception remains. | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847876 | xxxxxx | 34613162 | xxxxxx | 10/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note is not signed Individually and Trustee by either xxxxxx. No credit documents were provided for xxxxxx. |  | Reviewer Comment (2025-11-03): LOE and evidence of delivery provided<br>Reviewer Comment (2025-10-21): Received corrected Note and PPP. PPP terms were also updated from previous PPP. Provide the LOE to borrower and evidence of delivery to the borrower. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847884 | xxxxxx | 34575375 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report missing. Transaction participants must be included in the fraud report as follows: Borrowers/Guarantors, Property Sellers. |  | Reviewer Comment (2025-10-02): Received full fraud report. All parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 10/02/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847906 | xxxxxx | 34430715 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to both borrowers. |  | Reviewer Comment (2025-09-25): Received Grant Deed. Exception cleared.<br>Reviewer Comment (2025-09-22): The deed provided is transferring the title from xxxxxx to xxxxxx as his sole and separate. xxxxxx is not a party on the loan. The title is currently vested in xxxxxx as a widow only. Both borrowers are on the loan. The deed transferring the title to both the borrowers is required.<br>Reviewer Comment (2025-09-19): Received Quitclaim deed reflects the property was transferred to only xxxxxx. However the loan is closed in 2 borrowers name. Therefore provide deed transferring the property to both borrowers. Exception remains. | 09/25/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847906 | xxxxxx | 34481862 | xxxxxx | 09/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the borrower's property on xxxxxx is free and clear. Fraud Report reflects lien of xxxxxx. |  | Reviewer Comment (2025-09-19): Received property history report and Substitution of Trustee which reflects property is free and clear. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847933 | xxxxxx | 34540519 | xxxxxx | 09/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear or only in the non-borrower's name. Fraud Report reflects a lien of xxxxxx with xxxxxx Mtg. |  | Reviewer Comment (2025-10-08): Updated lucid report provided reflecting free and clear<br>Reviewer Comment (2025-10-08): The lucid report uploaded is for the subject property vs. primary residence.<br>Reviewer Comment (2025-10-08): Received LOX for the mortgage lien, however the fraud report does not reflect the mortgage lien is name of seller or borrower. Therefore provide property history report to verify the mortgage lien was for the seller and the property is free and clear. Please note that Hazard Insurance is not acceptable to verify property is free and clear. Exception remains. | 10/08/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847953 | xxxxxx | 34667443 | xxxxxx | 10/10/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-14): Later dated updated commitment provided | 10/14/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667500 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx . P&L Statement, Tax Return Extension (for Business) (2024) | xxxxxx: 1) Provide the signed and dated business returns 2) Provide the signed and dated 2024 P&L 3) Provide the 2024 business return ext. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-07): Received the 2024 extension. However as noted on xxxxxx , the signed and dated 2024 P&L provided is dated post-close.<br>Reviewer Comment (2025-10-29): Received Tax Return Extension (for Business) (2023) which was already in file. 1. Provide the signed and dated 2024 P&L 2. Provide the 2024 business return ext. Exception remains.<br>Reviewer Comment (2025-10-22): Signed and dated business returns provided. 2024 P&L provided, however is dated post-close. 2023 business ext provided vs. 2024. |  |  | 11/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667515 | xxxxxx | 10/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-10-30): The RCE was provided.<br>Reviewer Comment (2025-10-29): HOI with RCE was not found in trailing docs | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667891 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxxxx: 1) Provide the signed and dated business returns 2) Provide the signed and dated 2024 P&L 3) Provide the 2024 business return ext. |  | Reviewer Comment (2025-11-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-11-07): Received the 2024 extension. However as noted on xxxxxx , the signed and dated 2024 P&L provided is dated post-close.<br>Reviewer Comment (2025-10-29): Received Tax Return Extension (for Business) (2023) which was already in file. 1. Provide the signed and dated 2024 P&L 2. Provide the 2024 business return ext. Exception remains.<br>Reviewer Comment (2025-10-22): Signed and dated business returns provided. 2024 P&L provided, however is dated post-close. 2023 business ext provided vs. 2024. | 11/17/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667892 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxxxx: 1) Provide the signed and dated business returns 2) Provide the signed and dated 2024 P&L 3) Provide the 2024 business return ext. |  | Reviewer Comment (2025-11-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-11-07): Received the 2024 extension. However as noted on xxxxxx , the signed and dated 2024 P&L provided is dated post-close.<br>Reviewer Comment (2025-10-29): Received Tax Return Extension (for Business) (2023) which was already in file. 1. Provide the signed and dated 2024 P&L 2. Provide the 2024 business return ext. Exception remains.<br>Reviewer Comment (2025-10-22): Signed and dated business returns provided. 2024 P&L provided, however is dated post-close. 2023 business ext provided vs. 2024. | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667893 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx/S-Corp) | 2024 personal extension in file, 2024 business return extension missing |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667906 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $208.00 exceeds tolerance of $155.00 plus 10% or $170.50. $37.50 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Lender Cure of $397.20 is reflecting on Final CD in insufficient. Total cure for all violations is $442.50. |  | Reviewer Comment (2025-10-16): SitusAMC received valid Changed circumstance with supporting recorded deed document for the vesting changed.<br>Reviewer Comment (2025-10-14): SitusAMC Received rebuttal comments stating vesting change; however, file is missing latest recorded deed. Provide copy of recorded deed. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667907 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $960.00 exceeds tolerance of $600.00. $360.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Lender Cure of $397.20 is reflecting on Final CD in insufficient. Total cure for all violations is $442.50. |  | Reviewer Comment (2025-10-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34667908 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $165.00 exceeds tolerance of $140.00. $25.00 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Lender Cure of $397.20 is reflecting on Final CD in insufficient. Total cure for all violations is $442.50. |  | Reviewer Comment (2025-10-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34699450 | xxxxxx | 10/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard in file still has previous lender |  | Reviewer Comment (2025-10-30): An updated HOI policy with the Lender name as the mortgagee was provided.<br>Reviewer Comment (2025-10-29): HOI w RCE was not found in trailing docs. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34699779 | xxxxxx | 10/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The property history report for the property on xxxxxx reflects xxxxxx as a vested owner. Property profile report reflects free and clear. Provide the updated 1003 adding debt to REO. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-07): The deed provided dated xxxxxx reflects xxxxxx is a current vested owner as noted under grantees. The property profile report dated 8/2025 also supports this. The deed also notes full possession. Provide the updated 1003. |  |  | 11/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34700198 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-07): The deed provided dated xxxxxx reflects xxxxxx is a current vested owner as noted under grantees. The property profile report dated 8/2025 also supports this. The deed also notes full possession. Provide the HOI. |  |  | 11/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34737721 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $960.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | 10/16/2025 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847953 | xxxxxx | 34737722 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $165.00 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | 10/16/2025 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847957 | xxxxxx | 34591231 | xxxxxx | 10/03/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-17): Received Title Final. Exception cleared. | 10/17/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847957 | xxxxxx | 34591232 | xxxxxx | 10/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-17): Received Title Final. Exception cleared. | 10/17/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847957 | xxxxxx | 34632486 | xxxxxx | 10/03/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  |  |  | Reviewer Comment (2025-10-20): Received Hazard Insurance Policy. Exception cleared. | 10/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847975 | xxxxxx | 34744585 | xxxxxx | 10/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. Provide the following<br> Mortgage statement or Note for the review period to verify monthly payment amount, and<br> Proof of payments through one of the following:<br> 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method <br> from the borrower<br> Payments made in cash are not eligible, or<br> 12-months mortgage statements for the review period, or<br> 12-months loan payment history from the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required, or<br> 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required |  | Reviewer Comment (2025-10-27): Borrower statement of account provided which is similar to a mortgage statement and would double multiple mortgage statements being provided to meet the borrower pay history. | 10/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847975 | xxxxxx | 34744660 | xxxxxx | 10/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-10-29): A Recert of Value was provided, and the value has not changed. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848003 | xxxxxx | 34723377 | xxxxxx | 10/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file as the seller is requesting an exception to the housing history as borrower is currently living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-20): Approved exception in file with comp factors cited. |  |  | 10/20/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848003 | xxxxxx | 34723444 | xxxxxx | 10/20/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2025-10-24): Documentation provided. Cleared<br>Reviewer Comment (2025-10-21): The policy is dated post-close and only for 1 month. | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848003 | xxxxxx | 34723495 | xxxxxx | 10/20/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Also, policy is only for 1 month. |  | Reviewer Comment (2025-10-24): Pre-close policy provided<br>Reviewer Comment (2025-10-24): Documentation provided shows effective date as after the note date/transaction date, and only valid for 1 month. Please provide an updated property policy<br>Reviewer Comment (2025-10-21): Incorrectly overridden.<br>Reviewer Comment (2025-10-20): HOI was effective by disbursement date | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848031 | xxxxxx | 34511335 | xxxxxx | 09/25/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per the final 1003, the borrower's current property on xxxxxx reflects No Primary Housing, however per the property profile report, borrower owns this property and is obligated to the mortgage lien. Provide the updated 1003. |  | Reviewer Comment (2025-09-29): Received corrected 1003. Exception cleared. | 09/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848031 | xxxxxx | 34511358 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  | Reviewer Comment (2025-09-29): Received OFAC searches not run on Property Seller, xxxxxx. Exception cleared. | 09/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848054 | xxxxxx | 34669857 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . xxxxxx, xxxxxx xxxxxx/S-Corp) | 2024 business extension not provided; 2024 personal extension provided |  | Reviewer Comment (2025-10-09): Client elects to waive |  |  | 10/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34670315 | xxxxxx | 10/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file for insufficient housing history verified for mortgages that do not appear on credit. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors |  |  | 10/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671023 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. $205.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | The Second Appraisal Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $205.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Received COC dated xxxxxx ; however, it does not give sufficient information why Appraisal fee $205 added on CD dated xxxxxx . In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671024 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $299.00 exceeds tolerance of $0.00. $299.00 over legal limit. Insufficient or no cure was provided to the borrower. (77163) | The Title - Abstract / Title Search Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $205.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Received COC dated xxxxxx states received the most current title bill and fees added is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671025 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77173) | The Title - Courier / Express Mail / Messenger Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $75.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Received COC dated xxxxxx states received the most current title bill and fees added is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671026 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $45.00 exceeds tolerance of $0.00. $45.00 over legal limit. Insufficient or no cure was provided to the borrower. (77174) | The Title - Electronic Document Delivery Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $75.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Received COC dated xxxxxx states received the most current title bill and fees added is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671027 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $50.00 exceeds tolerance of $0.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (77225) | The Title - Title Update. Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $50.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Received COC dated xxxxxx states received the most current title bill and fees added is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671028 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $225.00 exceeds tolerance of $75.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (7726) | The Title - Endorsement Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $225.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-12): Situsamc Received COC dated xxxxxx states received the most current title bill and fees added is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671029 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7728) | The Title - Insurance Binder Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $100.00. Provided COCs in file does not state a valid reason for the change. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Received COC dated xxxxxx states received the most current title bill and fees added is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671036 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. $0.50 over legal limit. Cure is provided on Final CD, however, it cannot be triggered due to other fee tolerance. |  | Reviewer Comment (2025-11-19): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-11-18): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing label was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Reviewer Comment (2025-11-11): Situsamc Please confirm if Cure $0.50 provided at closing is for transfer tax. |  | 11/19/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671089 | xxxxxx | 10/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | No title policy was provided in file. |  | Reviewer Comment (2025-10-22): FTP provided. Deed in file with previous vesting which confirms was in name of borrower's business since xxxxxx. | 10/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671184 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Tax Return Extension (for Business) (2024) | Provide the 2024 business tax return extension. |  | Reviewer Comment (2025-10-30): The 2024 business tax return extension was provided.<br>Reviewer Comment (2025-10-22): Loan was re-reviewed to 1 year full doc per client request. 2022 business return requirement removed. Still pending receipt of 2024 business return ext.<br>Reviewer Comment (2025-10-22): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: 1120S (2022) | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671535 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide the 2024 business tax return extension. |  | Reviewer Comment (2025-10-30): The 2024 business tax return extension was provided.<br>Reviewer Comment (2025-10-22): Loan was re-reviewed to 1 year full doc per client request. 2022 business return requirement removed. Still pending receipt of 2024 business return ext. | 10/30/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34671536 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide the 2024 business tax return extension. |  | Reviewer Comment (2025-10-30): The 2024 business tax return extension was provided.<br>Reviewer Comment (2025-10-22): Loan was re-reviewed to 1 year full doc per client request. 2022 business return requirement removed. Still pending receipt of 2024 business return ext. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848054 | xxxxxx | 34778234 | xxxxxx | 10/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTP provided post review: Item #7 reflects taxes are delinquent for 2024 for first and second half. |  | Reviewer Comment (2025-10-30): Evidence that the taxes were paid was provided. | 10/30/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848130 | xxxxxx | 34713833 | xxxxxx | 10/15/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848130 | xxxxxx | 34730570 | xxxxxx | 10/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The CPA letter in file is not signed. |  | Reviewer Comment (2025-11-03): Received signed CPA Letter. Exception cleared. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848130 | xxxxxx | 34730919 | xxxxxx | 10/15/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Borrower Authorization used for Application Date due to missing initial 1003. |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848130 | xxxxxx | 34730941 | xxxxxx | 10/15/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address reflects xxxxxx vs xxxxxx is not an abbreviation for xxxxxx) |  | Reviewer Comment (2025-10-24): Corrective document provided. Cleared | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848132 | xxxxxx | 34438205 | xxxxxx | 09/18/2025 | Credit | Asset | Asset Eligibility | Asset | Borrower has gift funds which are ineligible per guidelines. | Financial Institution: xxxxxx // Account Type: Gift Funds / Account Number: xxxx | Gift Funds are not allowed for Foreign National. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-15): Client elects to waive with verified compensation factors |  |  | 10/15/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848132 | xxxxxx | 34699643 | xxxxxx | 10/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.29 is less than Guideline PITIA months reserves of 6.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-15): Client elects to waive with verified compensation factors |  |  | 10/15/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848135 | xxxxxx | 34642853 | xxxxxx | 10/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report is missing. Must include all transaction participants: Borrowers and Property Seller. |  | Reviewer Comment (2025-10-14): Received updated Fraud Report, Fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-10-10): Received full Fraud Report. However, Fraud and OFAC search is not run on the seller, xxxxxx xxxxxx. Exception remains. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848135 | xxxxxx | 34642864 | xxxxxx | 10/08/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-10): Received Title Final Policy. Exception cleared. | 10/10/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848135 | xxxxxx | 34642867 | xxxxxx | 10/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-10): Received Title Final Policy. Exception cleared. | 10/10/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34478947 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34478948 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-09-29): COGS provided | 09/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34478949 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-10-03): EIN provided | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34478951 | xxxxxx | 09/22/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.72 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | First time investors must have a DSCR of > 1.00 (Note: Program requirements for non-first time investor's for xxxxxx 0.80 and xxxxxx 0.75). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-24): Client elects to waive with verified compensation factors |  |  | 09/24/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34478958 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-10-03): Appraisal comments made 7.14.2025: No Damage<br>Reviewer Comment (2025-09-30): The appraisal effective date is xxxxxx which is prior to the end date of xxxxxx The appraiser makes no comments regarding disaster. PDI is required. |  |  | 10/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34515744 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender's Approval was not provided to specify if program is xxxxxx DSCR or xxxxxx DSCR. Additional conditions may apply. (Note: 1008 in file does not reflect program) |  | Reviewer Comment (2025-10-03): Screen shot provided reflecting Access along with 1008 for approval. | 10/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848233 | xxxxxx | 34515745 | xxxxxx | 09/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-10-03): Preclose appraisal provided<br>Reviewer Comment (2025-09-30): No new documents received. Please review comments on 9/29: The same appraisal was provided that was in file at time of review. Please review the original condition. The appraisal in file has a completion date post-close. Provide the pre-close appraisal. The effective date of xxxxxx is when the appraiser was assigned the report, the completion date is when the appraiser completed the report which was xxxxxx and post-close.<br>Reviewer Comment (2025-09-29): The same appraisal was provided that was in file at time of review. Please review the original condition. The appraisal in file has a completion date post-close. Provide the pre-close appraisal. The effective date of xxxxxx is when the appraiser was assigned the report, the completion date is when the appraiser completed the report which was xxxxxx and post-close. | 10/03/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848249 | xxxxxx | 34736819 | xxxxxx | 10/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $27,700.00. Provide the RCE. |  | Reviewer Comment (2025-10-16): RCE provided | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848289 | xxxxxx | 34765279 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the borrower's current primary residence. If from a private party, 6 months borrower pay history will be required. |  | Reviewer Comment (2025-11-21): Received corrected 1003 for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-11-19): Received corrected 1003 for xxxxxx. However, 1003 for xxxxxx still reflects for 7 months. Provide corrected 1003. Exception remains.<br>Reviewer Comment (2025-11-13): Received VOR reflects borrowers are renting the current primary property since xxxxxx xxxxxx. However, the Final 1003 reflects for 7 months. Provide corrected 1003 to reflect 2 years of housing history. Exception remains.<br>Reviewer Comment (2025-11-10): Received bank statement, however the document requested is for VOR for the borrower's current primary residence. If from a private party, 6 months borrower pay history will be required. Exception remains. | 11/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848289 | xxxxxx | 34765298 | xxxxxx | 10/23/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor Exception- Property is xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-23): Client elects to waive with verified compensation factors |  |  | 10/23/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848347 | xxxxxx | 34777910 | xxxxxx | 10/27/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2025-10-27): Client elects to waive |  |  | 10/27/2025 | 2 | A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | 34793984 | xxxxxx | 10/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-11-11): Received Title Final. Exception cleared. | 11/11/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | 34793987 | xxxxxx | 10/30/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-11): Received Title Final. Exception cleared. | 11/11/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | 34794074 | xxxxxx | 10/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.69 is less than Guideline PITIA months reserves of 3.00. | Calculated PITIA months reserves of 2.85 is less than Guideline PITIA months reserves of 3.00. Provide additional assets. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | 34794088 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2025-11-05): Loan designation updated to Non-QM. Condition no longer applies. | 11/05/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | 34794151 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | PITIA months reserves of 2.85 is less than the require reserves of 3. Provide additional assets. |  | Reviewer Comment (2025-11-05): Loan designation updated to Non-QM. Condition no longer applies. | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | 34837038 | xxxxxx | 10/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | Subordination agreement in file is missing the Mortgage/Title Lender information and signature. |  | Reviewer Comment (2025-11-06): Received Subordinate Agreement. Exception cleared. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848412 | xxxxxx | 34765115 | xxxxxx | 10/23/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date |  | Reviewer Comment (2025-11-12): Received HOI Policy. Exception cleared. | 11/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848420 | xxxxxx | 34787640 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,143.28 may be required. | Provide initial Loan Estimate and all the applicable revised Loan Estimates as it is missing in the file. |  | Reviewer Comment (2025-10-31): SitusAMC received initial LE dated xxxxxx . | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848420 | xxxxxx | 34787670 | xxxxxx | 10/28/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-10-31): Received E-Sign Consent Agreement. Exception cleared. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848420 | xxxxxx | 34858483 | xxxxxx | 10/31/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $165.00 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848455 | xxxxxx | 34693514 | xxxxxx | 10/15/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 658 is less than Guideline representative FICO score of 660. | Minimum 660 FICO for C/O refinance. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors |  |  | 10/16/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848455 | xxxxxx | 34735538 | xxxxxx | 10/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Marital Status was not provided |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848481 | xxxxxx | 34668675 | xxxxxx | 10/10/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Investor exception: Max LTV is 75% for STR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors |  |  | 10/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848481 | xxxxxx | 34688000 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided |  | Final signed 1003 not provided for xxxxxx. |  | Reviewer Comment (2025-10-16): Received Final signed 1003 for xxxxxx. Exception cleared. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848481 | xxxxxx | 34688079 | xxxxxx | 10/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence for xxxxxx is free and clear. Fraud Report reflects lien with xxxxxx for xxxxxx. |  | Reviewer Comment (2025-10-14): Received Property History Report indicates a mortgage lien of xxxxxx with xxxxxx, but it is listed under a different owner." Exception cleared. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848524 | xxxxxx | 34535474 | xxxxxx | 09/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-06): Received Final Title Policy. Exception cleared. | 10/06/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848524 | xxxxxx | 34535475 | xxxxxx | 09/29/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-06): Received Final Title Policy. Exception cleared. | 10/06/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848542 | xxxxxx | 34740597 | xxxxxx | 10/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception for fidelity insurance coverage on xxxxxx project with over xxxxxx units. Fidelity/Crime insurance coverage equaling at least the sum of three months of assessments on all units in the project is required - $xxxxxx required. Verified amount on most recent policy covers $15,000. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors |  |  | 10/21/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848542 | xxxxxx | 34768500 | xxxxxx | 10/21/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investors must have a DSCR > 1.00. DSCR is < 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors |  |  | 10/21/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848542 | xxxxxx | 34768522 | xxxxxx | 10/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide evidence of receipt or proceeds for the HELOC line of credit taken out on xxxxxx. Mortgage Statement in file only reflects $3,000 advance taken out. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-04): Per client email post clearance, verified with their product team that withdrawal of funds is required. Investor will need to consider waiving with verified compensation factors.<br>Reviewer Comment (2025-10-24): Per investor email, accepting HELOC statement without evidence of draw to utilize for closing / reserves. Requested clearance.<br>Reviewer Comment (2025-10-24): Email to investor: That verbiage appears to be a generalization of allowable assets used to qualify. If the borrower needs them for closing / reserve requirements, then we need to see they actually drew the HELOC line. However, if Verus is accepting the mortgage statement only with available credit line even though not drawn, please let us know and we can clear the exception.<br>Reviewer Comment (2025-10-24): Investor requested condition back. |  |  | 11/04/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848542 | xxxxxx | 34806634 | xxxxxx | 10/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor occupancy > 60% and OO < 40%. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-27): Client elects to waive with verified compensation factors |  |  | 10/27/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848573 | xxxxxx | 34522288 | xxxxxx | 09/17/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | Lender Exception: Approved Lender Exception - Exception request for 75% LTV rate and term refinancing, paying off hard money used to rehab the subject. 1.437 DSCR and 790 credit score. 5% LTV increase of $11,000 world allow borrower to not have to bring to not have to bring cash to close, Compensating Factor - Fico score 790, DSCR 1.437, Fico 790 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-16): Client elects to regrade and waive. |  |  | 09/16/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848580 | xxxxxx | 34702219 | xxxxxx | 10/01/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $18,296.24 is less than Cash From Borrower $137,684.84. | Verified Assets for Closing of $18,296.24 is less than cash required from borrower of $137,684.84. |  | Reviewer Comment (2025-10-06): Evidence of assets funds provided, exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848580 | xxxxxx | 34702220 | xxxxxx | 10/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for square feet being less than the required 400 for xxxxxx. compensating factors: borrower has 28 years experience, 17 trades rated all paid as agreed. 9 years residence stability in primary residence adequate post closing reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-09-30): Client elects to regrade and waive based on the following comps:<br> borrower has 28 years investor experience, 9 years residence stability <br> FICO score exceeds guidelines by 40 points |  |  | 09/30/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848582 | xxxxxx | 34667542 | xxxxxx | 09/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested and exception- Residency : Non Permanent resident without work visa-does not meet min Fico of 680. Borrower has 672 | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-09-26): Client elects to downgrade and waive based on the following comps: <br> The DSCR of 1.147% is greater than the minimum required DSCR of 1.00% |  |  | 09/26/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848582 | xxxxxx | 34667540 | xxxxxx | 09/26/2025 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx |  |  | Reviewer Comment (2025-10-01): After further review exception cleared | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848585 | xxxxxx | 34702215 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | 1 page xxxxxx in file appears to be blank. |  | Reviewer Comment (2025-10-06): Provided<br>Reviewer Comment (2025-09-25): Client is ordering the Fraud Report. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848585 | xxxxxx | 34702216 | xxxxxx | 09/17/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | 1 page xxxxxx/OFAC in file appears to be blank. |  | Reviewer Comment (2025-10-06): Provided<br>Reviewer Comment (2025-09-25): Client is ordering the Fraud Report. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848589 | xxxxxx | 34667534 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing in the file |  | Reviewer Comment (2025-09-25): Provided and cleared | 09/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848589 | xxxxxx | 34667535 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | 1 page xxxxxx in file appears to be blank. |  | Reviewer Comment (2025-10-06): Cleared | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848589 | xxxxxx | 34667536 | xxxxxx | 09/17/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | 1 page xxxxxx/OFAC in file appears to be blank. |  | Reviewer Comment (2025-10-06): Cleared | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848613 | xxxxxx | 34773118 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $985.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing |  | 10/21/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848613 | xxxxxx | 34773128 | xxxxxx | 10/27/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-29): Received Title Supplement report with coverage amount. Exception cleared. | 10/29/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848613 | xxxxxx | 34805734 | xxxxxx | 10/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The provided preliminary title report in file reflects the subject city as xxxxxx vs Note subject city reflects as xxxxxx. |  | Reviewer Comment (2025-10-29): A title supplement was provided with the correct city name | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848703 | xxxxxx | 34591418 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower only. |  | Reviewer Comment (2025-10-03): Received Deed transferring the property to the borrower only. Exception cleared. | 10/03/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848736 | xxxxxx | 34769763 | xxxxxx | 10/24/2025 | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed Date: | Date Issued should be prior to Date Received and Date Received should be prior to Signed Date. The Loan Estimate Issue Date: xxxxxx & Received Date is xxxxxx . |  | Reviewer Comment (2025-10-24): Client elects to waive |  |  | 10/24/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848736 | xxxxxx | 34769794 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,363.60 exceeds tolerance of $6,200.00. $163.60 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax on the Loan Estimate dated xxxxxx was xxxxxx; however, the final Closing Disclosure reflects xxxxxx. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-11-04): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-10-29): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 11/04/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848736 | xxxxxx | 34795697 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $342.08 exceeds tolerance of $231.00. $111.08 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | COC states increase due to supplements run, however there are no supplements in file and a reason needs to be provided as to why supplements were required. |  | Reviewer Comment (2025-11-04): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-10-29): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 11/04/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34727589 | xxxxxx | 10/17/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Full Fraud Report not provided |  | Reviewer Comment (2025-10-30): The fraud report was provided.<br>Reviewer Comment (2025-10-29): Requested document were not provided. Please provide documents as requested on the comments dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-10-23): Received Fraud Report for co-borrower. Missing, Fraud Report for xxxxxx. Also, Fraud and OFAC search is not run on the individual of the seller, xxxxxx. Exception remains. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34746481 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.87290% or Final Disclosure APR of 7.88500% is equal to or greater than the threshold of APOR 6.32% + 1.5%, or 7.82000%. Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-10-30): Evidence of appraisal delivery was provided.<br>Reviewer Comment (2025-10-28): Received delivery for initial appraisal completed xxxxxx Updated appraisal provided post-review. Pending receipt of deliver of updated appraisal.<br>Reviewer Comment (2025-10-21): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.87062% or Final Disclosure APR of 7.88500% is equal to or greater than the threshold of APOR 6.32% + 1.5%, or 7.82000%. Compliant Higher Priced Mortgage Loan. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34746482 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-10-30): Evidence of appraisal delivery was provided<br>Reviewer Comment (2025-10-28): Received delivery for initial appraisal completed xxxxxx Updated appraisal provided post-review. Pending receipt of deliver of updated appraisal.<br>Reviewer Comment (2025-10-28): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx  | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34746494 | xxxxxx | 10/17/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate has xxxxxx and note has xxxxxx. |  | Reviewer Comment (2025-10-30): An updated Flood Cert was provided. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752171 | xxxxxx | 10/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provided the updated 1003 for xxxxxx. Time in primary is 0 and no selection for Housing. Also provide the updated 1003 for xxxxxx as 1003 notes rents when living rent free. Also, dec page is not completed for xxxxxx. Provide the updated and signed/initialed 1003's and lender attestation on error. |  | Reviewer Comment (2025-10-30): The updated 1003s were provided.<br>Reviewer Comment (2025-10-29): Requested document were not provided. Please provide documents as requested on the original condition. Exception remains.<br>Reviewer Comment (2025-10-27): Received corrected 1003's for xxxxxx. However, page 1 of the 1003 was completed for xxxxxx but the dec page is still incomplete. As noted in the original condition, provide the updated signed / initialed and completed 1003 for xxxxxx and lender attestation on error. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752272 | xxxxxx | 10/17/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects Arm's Length vs. Non-Arms. Borrower is purchasing property they currently live in from a family member. Provide the updated appraisal. |  | Reviewer Comment (2025-10-28): Corrected appraisal provided | 10/28/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752357 | xxxxxx | 10/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The Final Settlement Statement reflects "Seller Credit for Borrower Inheritance" of xxxxxx Provide proof of separate inheritance to ensure this is not a gift of equity, which would require a gift letter, 5% down, and 12 month housing history for the Seller's lien on title since purchasing from a family member to ensure not a family bailout. |  | Reviewer Comment (2025-10-29): Received fully executed Trust agreement to verify these funds is an inheritance proceeds and not a gift of equity. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752406 | xxxxxx | 10/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD does not reflect the Credit for Borrower Inheritance for xxxxxx. Provide the corrected PC-CD and LOE to borrower. |  | Reviewer Comment (2025-10-21): Corrected PC-CD and LOE to borrower provided | 10/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752413 | xxxxxx | 10/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.15 is less than Guideline PITIA months reserves of 12.00. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive.<br>Reviewer Comment (2025-10-21): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 1.21 is less than Guideline PITIA months reserves of 12.00. |  |  | 10/29/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752417 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal Address: xxxxxx and note has xxxxxx. |  | Reviewer Comment (2025-10-28): Corrected appraisal provided | 10/28/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752418 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-10-29): The reserves requirement was waived by the client. | 10/29/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752419 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-10-29): The reserves requirement was waived by the client. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34752442 | xxxxxx | 10/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA: xxxxxx and note has xxxxxx. |  | Reviewer Comment (2025-10-30): An updated CDA was provided.<br>Reviewer Comment (2025-10-28): Received corrected appraisal. Pending receipt of corrected CDA. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | 34854951 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848758 | xxxxxx | 34798249 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | E-sign consent is dated xxxxxx . |  | Reviewer Comment (2025-11-03): SitusAMC received valid rebuttal comment and supporting disclosure tracking document present in the loan file for the initial discourse sent via fulfillment on xxxxxx . | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848758 | xxxxxx | 34798366 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $210.00 exceeds tolerance of $0.00. $210.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Re-Inspection Fee was not disclosed on the Loan Estimate, but was disclosed as $210.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $210.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-11-10): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-11-03): SitusAMC received COC dated xxxxxx in the loan file. but it does not give sufficient information on why the inspection fee was added. Moreover, appraisal report in the loan file completed on xxxxxx with Subject to repair. but the reinspection fee was not added until xxxxxx . This is outside of the required three-day timeline for notification of borrower. Cure is required. |  | 11/10/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848758 | xxxxxx | 34798367 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $175.17 exceeds tolerance of $100.00. $75.17 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as $100.00 on the Loan Estimate, but was disclosed as $175.17 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $75.17, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-11-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-11-03): SitusAMC: Cure provided at closing is insufficient to cure for all the citing 0% exception. We will clear the exception once we received resolution on the Appraisal re-inspection fee exception citing. Exception remains. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | 34702295 | xxxxxx | 10/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.09 is less than Guideline PITIA months reserves of 4.00. | Available assets $168,984.58 minus cash from borrower $158,653.33 = Available for reserves $10,331.25 or 2.09 months. |  | Reviewer Comment (2025-10-30): Additional gift funds were provided, and per guidelines, they can be used for reserves. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | 34702446 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The Calculated PITIA months reserves of 2.09 is less than Guideline PITIA months reserves of 4.00. Provide additional assets documents to meet CTC/Reserves requirement. |  | Reviewer Comment (2025-10-30): Additional gift funds were provided, and per guidelines, they can be used for reserves. The loan designation is now Non-QM. | 10/30/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | 34702447 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The Calculated PITIA months reserves of 2.09 is less than Guideline PITIA months reserves of 4.00. Provide additional assets documents to meet CTC/Reserves requirement. |  | Reviewer Comment (2025-10-30): Additional gift funds were provided, and per guidelines, they can be used for reserves. The loan designation is now Non-QM. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | 34716595 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the xxxxxx County Office of the Public Administrator, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-10-16): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | 34721450 | xxxxxx | 10/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal reflects xxxxxx units sold, xxxxxx as OO and xxxxxx as rented. However, the HOA cert reflects All are tenant occupied. Investor concentration allowed up to 60% which is exceed based on HOA cert. |  | Reviewer Comment (2025-11-10): Email from HOA provided with updated cert<br>Reviewer Comment (2025-11-04): The correct and incorrect HOA certs are signed and dated the same. No evidence of which was provided last.<br>Reviewer Comment (2025-11-03): The same document was provided that was provided on xxxxxx . Please review comments from xxxxxx : The correct and incorrect HOA certs are signed and dated the same. No evidence of which was provided last. Further, # of units sold as primary / secondary and investor reflect N/A.<br>Reviewer Comment (2025-10-21): The correct and incorrect HOA certs are signed and dated the same. No evidence of which was provided last. Further, # of units sold as primary / secondary and investor reflect N/A. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34633352 | xxxxxx | 10/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.83 is less than Guideline PITIA months reserves of 4.00. | The Final 1003 reflects an additional gift of $132,000, however this was not documented in file. There is an additional wire in file dated xxxxxx for $117,000 from the current gift donors, however it is dated post close and cannot be utilized without a gift letter dated at or prior to closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-14): Gift letter provided which matches wire of $117,000 which was added to closing / reserves, however borrower is still short reserves. Reserves 2.83 vs 4 required.<br>Reviewer Comment (2025-10-14): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. |  |  | 10/16/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34633372 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to insufficient reserves and insufficient income documents |  | Reviewer Comment (2025-10-30): The reserves were waived, and the missing income documents were received. The loan designation is now Non-QM.<br>Reviewer Comment (2025-10-14): Gift letter provided which matches wire of $117,000 which was added to closing / reserves, however borrower is still short reserves. Reserves 2.83 vs 4 required. | 10/30/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34633373 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to insufficient reserves and insufficient income documents |  | Reviewer Comment (2025-10-30): The reserves were waived, and the missing income documents were received. The loan designation is now Non-QM.<br>Reviewer Comment (2025-10-14): Gift letter provided which matches wire of $117,000 which was added to closing / reserves, however borrower is still short reserves. Reserves 2.83 vs 4 required. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34633384 | xxxxxx | 10/09/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $108,500.00 is less than Cash From Borrower $207,652.33. | The Final 1003 reflects an additional gift of $132,000, however this was not documented in file. There is an additional wire in file dated xxxxxx for $117,000 from the current gift donors, however it is dated post close and cannot be utilized without a gift letter dated at or prior to closing. |  | Reviewer Comment (2025-10-14): Additional gift letter provided dated prior to closing that matches wire. | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34633385 | xxxxxx | 10/09/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate reflects the subject address as "xxxxxx" vs Note address "xxxxxx ". Provide an updated Flood Certificate matching the Note address. |  | Reviewer Comment (2025-10-15): Updated flood cert provided | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34633404 | xxxxxx | 10/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Authorized Seller Signer, xxxxxx, is missing. |  | Reviewer Comment (2025-10-15): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | 34668280 | xxxxxx | 10/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter notes the borrower owns 100% of "the business". Does not specify what business. |  | Reviewer Comment (2025-10-29): Received CPA letter. Exception cleared.<br>Reviewer Comment (2025-10-24): Buyer to review CPA letter, which states the borrower is self employed, and the CPA has prepared the taxes, but does NOT list the name of the business<br>Reviewer Comment (2025-10-22): Received CPA Letter is dated post closing. Provide CPA Letter dated prior to closing. Exception remains.<br>Reviewer Comment (2025-10-14): Assigned to investor. Investor to advise if they are accepting the CPA letter as is. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848776 | xxxxxx | 34694053 | xxxxxx | 10/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-15): Received AVM dated xxxxxx . Exception cleared. | 10/15/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 848776 | xxxxxx | 34708660 | xxxxxx | 10/13/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal shows flood zone xxxxxx Vs. Flood certificate AE |  | Reviewer Comment (2025-10-20): Received corrected Appraisal. Exception cleared. | 10/20/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 848822 | xxxxxx | 34721412 | xxxxxx | 10/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-10-28): Received UDM report dated xxxxxx . Exception cleared. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848822 | xxxxxx | 34722967 | xxxxxx | 10/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Both borrowers are Perm Resident Alien. Provide the unexpired perm Resident Alien Card. |  | Reviewer Comment (2025-10-31): Received Permanent Resident Card. Exception Cleared. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848822 | xxxxxx | 34723321 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $390.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848822 | xxxxxx | 34742262 | xxxxxx | 10/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | CPM approval must not be expired as of the Note date. File must contain a PDF print-out of the CPM approval. The PDF document must include a print date that verifies the PDF print-out is generated within 10 days of the Note date. The print date is > 10 days from the Note date as well as the review status was updated to Unavailable by xxxxxx on xxxxxx . |  | Reviewer Comment (2025-10-28): Received HOA questionnaire. Exception cleared. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | 34589280 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature.<br>Note: CPA LOE states no business license required. Please have Borrower provide letter to explain the details of business nature. |  | Reviewer Comment (2025-10-07): LOE from borrower provided | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | 34589411 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature.<br>Note: CPA LOE states no business license required. Please have Borrower provide letter to explain the details of business nature. |  | Reviewer Comment (2025-10-07): LOE from borrower provided | 10/07/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | 34589412 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature.<br>Note: CPA LOE states no business license required. Please have Borrower provide letter to explain the details of business nature. |  | Reviewer Comment (2025-10-07): LOE from borrower provided | 10/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | 34600320 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed from xxxxxx to the borrower. |  | Reviewer Comment (2025-10-01): Received deed from xxxxxx to the borrower. Exception cleared. | 10/01/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | 34600352 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Per the order dated xxxxxx xxxxxx, total monthly child support reflects reserved which means the court has not yet set a specific child support amount but has left the issue open for later decision, either because other issues are still unresolved or to allow for future changes in circumstances. A reserved order allows either parent to petition the court to establish or modify child support in the future. Provide evidence the borrower is not obligated to monthly child support. 2 of the 3 dependents are under the age of 18. The debt paid through closing is an arrearages / judgment only against the borrower. |  | Reviewer Comment (2025-11-03): The demand being paid through closing is on behalf of the non-borrower / ex-spouse along with the award settlement. CS provided stating the borrower does not pay child support.<br>Reviewer Comment (2025-10-31): Received child support document reflects borrower is received child support income. However, final CD in file reflects the payoff of an arrearages that does not belong to borrower. Exception remains.<br>Reviewer Comment (2025-10-09): The same document was provided that was in file at time of review and is just for the judgment settlement and arrearages owed. The full child support order / divorce decree needs to be provided to determine if the borrower still owes monthly child support due to 2 of the 3 dependents are < 18 years of age. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848860 | xxxxxx | 34632570 | xxxxxx | 10/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy Address: City reflects xxxxxx. Should only reflect xxxxxx per all other documents. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-08): Condition cannot be waived. All addresses must match. An address affidavit will not be acceptable. The city should just reflect xxxxxx vs. xxxxxx as the city with xxxxxx Area. |  |  | 10/09/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848868 | xxxxxx | 34693814 | xxxxxx | 10/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage Statement for xxxxxx. to support taxes and insurance are escrowed. If taxes & insurance are not escrowed, then separate tax and insurance documents will be required. |  | Reviewer Comment (2025-11-04): Received Closing Disclosure to support taxes and insurance are escrowed. Exception cleared<br>Reviewer Comment (2025-10-20): Received Transaction History, provide mortgage statement to verify taxes and insurance are escrowed. Exception remains. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848868 | xxxxxx | 34693817 | xxxxxx | 10/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Policy not provided |  | Reviewer Comment (2025-10-16): Received Title Commitment. Exception cleared. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848868 | xxxxxx | 34693859 | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-10-17): Received Credit Report - Gap. Exception Cleared. | 10/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848868 | xxxxxx | 34713621 | xxxxxx | 10/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | xxxxxx: 1) P&L's are not signed and dated by the borrower 2) 2023 business returns are not signed and dated by the borrower. |  | Reviewer Comment (2025-11-13): Income miscalculated for xxxxxx. Positive income. Removed as not needed to qualify. Remaining items provided for xxxxxx.<br>Reviewer Comment (2025-11-12): xxxxxx: 1065's are not signed and dated by the borrower; P&L is dated post-close and not through the most recently month prior to application date; third party verification of SE is dated post-close and must be within 90 days prior to the Note date.<br>Reviewer Comment (2025-11-11): Received 8879. However, the document requested is for the Third party verification of SE not provided dated within 90 days prior to the Note date for xxxxxx, as provided is dated post closing. Exception remains.<br>Reviewer Comment (2025-11-07): Received xxxxxx YTD P&L 2025 signed and dated by borrower. Also 1065 for 2023 is e-signed by borrower, provide 8879-PE signed and dated by borrower. Received Third party verification of SE xxxxxx post-closing. Provide <br> Third party verification of SE not provided dated within 90 days prior to the Note date. Exception remains.<br>Reviewer Comment (2025-11-04): Received xxxxxx P&L 2025 signed and dated by borrower. Provide 1.1065 for 2023 is e-signed by borrower, provide 8879-PE signed and dated by borrower. 2.xxxxxx: YTD P&L for 2025 not provided. 3. Third party verification of SE not provided dated within 90 days prior to the Note date. Exception remains.<br>Reviewer Comment (2025-10-29): Received e-signed taxes for businesses, however the file is missing the following: <br> xxxxxx: 1. YTD P&L 2025 is not signed and dated by borrower. 2. 1065 for 2023 is e-signed by borrower, provide 8879-PE signed and dated by borrower.<br> xxxxxx : YTD P&L for 2025 not provided. 2. Third party verification of SE not provided dated within 90 days prior to the Note date.<br> Exception remains.<br>Reviewer Comment (2025-10-20): Received 2024 P&L Statement and Business Tax Returns for 2023. Provide signed and dated YTD P&L for 2025. 2022 signed and dated business and personal returns. Exception remains. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848868 | xxxxxx | 34713716 | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.6, xxxxxx CU 1.5. Due to discrepancy a secondary valuation is required. |  | Reviewer Comment (2025-10-20): Received CDA. Exception cleared. | 10/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848891 | xxxxxx | 34716577 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx, Credit Report: Original // Borrower: xxxxxx | Lender exception approved at origination to proceed with a date on the credit report that was over 90 days old. Compensating factors were cited as repeat borrower and updated payment history within 90 days was provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: 7 Years of Experience. Currently holds 9 Properties and has Completed 9 Properties. | Reviewer Comment (2025-10-01): Lender granted exception approval with compensating factors in loan file. |  |  | 10/01/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848927 | xxxxxx | 34717441 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-10-16): SitusAMC received updated E-sign Consent agreement with eConsent accepted by borrower on 0 xxxxxx . | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848927 | xxxxxx | 34717449 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  | Reviewer Comment (2025-10-16): SitusAMC received valid Changed circumstances. | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848927 | xxxxxx | 34717450 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (7594) | Cure nor valid COC provided |  | Reviewer Comment (2025-10-31): SitusAMC received valid COC document<br>Reviewer Comment (2025-10-16): SitusAMC: The COC xxxxxx that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the appraisal rush fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the rush requested and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848927 | xxxxxx | 34717456 | xxxxxx | 10/15/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | DOT reflects a maturity date of xxxxxx and Note reflects xxxxxx . |  | Reviewer Comment (2025-10-22): Received evidence of delivery to Borrower. Exception cleared.<br>Reviewer Comment (2025-10-20): Received Corrective or xxxxxx Affidavit and LOE to borrower. Provide evidence of delivery to borrower. Exception remains. | 10/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849003 | xxxxxx | 34656897 | xxxxxx | 10/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing evidence that the borrower's primary residence on xxxxxx is free and clear. |  | Reviewer Comment (2025-10-13): Received rent free LOX. Borrower is living rent free. Exception cleared. | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849013 | xxxxxx | 34705408 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be signed at closing |  | Reviewer Comment (2025-10-30): Received Guarantor Agreement. Exception cleared. | 10/30/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849013 | xxxxxx | 34705490 | xxxxxx | 10/14/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Prepayment Penalty Test | xxxxxx Prepayment Penalty: No prepayment penalties are permissible in the state of xxxxxx. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-10-14): Client elects to waive |  |  | 10/14/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849013 | xxxxxx | 34725939 | xxxxxx | 10/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Bank statements provided for the primary residence on xxxxxx reflect 11 months of rent. Please provide an additional month for verification of 12 months of rent. |  | Reviewer Comment (2025-10-23): Received additional bank statement to verify 12 months of history. Exception cleared.<br>Reviewer Comment (2025-10-19): The file is missing xxxxxx to xxxxxx bank statement to verify the housing history. Exception remains. | 10/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849013 | xxxxxx | 34725941 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing Entity - OA or Borrowing Cert |  | Reviewer Comment (2025-10-30): Received Borrowing Certificate. Exception cleared. | 10/30/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849013 | xxxxxx | 34726291 | xxxxxx | 10/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide the Final CD or first payment letter to verify the new PITIA. Concurrent refinance. |  | Reviewer Comment (2025-10-19): The file is missing Final Closing Disclosure dated xxxxxx to verify the PITIA. Exception cleared. | 10/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849027 | xxxxxx | 34540776 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-09-30): Approval provided | 09/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849027 | xxxxxx | 34540893 | xxxxxx | 09/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.39 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2025-10-09): Updated bank statement provided for both accounts through xxxxxx <br>Reviewer Comment (2025-10-06): The same documents were provided that were previously provided. The available balance is $4,463.76 and this is what is considered. The other transactions have not cleared yet and are all debits. The available balance is what is in the account.<br>Reviewer Comment (2025-09-30): The present balance on the bank statement xxxxxx is $4,463.76 as of xxxxxx . Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the final H xxxxxx xxxxxx statement. | 10/09/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849027 | xxxxxx | 34580354 | xxxxxx | 09/29/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-10-01): Spousal consent provided | 10/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849027 | xxxxxx | 34590687 | xxxxxx | 09/29/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per background check in file, primary is owned by spouse only and not the guarantor. |  | Reviewer Comment (2025-10-06): Corrected application provided<br>Reviewer Comment (2025-10-01): xxxxxx is not a Guarantor so her information should not be listed as guarantor or on page 5 of the credit application. Provide the updated application.<br>Reviewer Comment (2025-09-30): The app still needs to be corrected to remove Owned. The property is owned by the non-borrower only. | 10/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849035 | xxxxxx | 34732749 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $222.05 exceeds tolerance of $62.00. Sufficient or excess cure was provided to the borrower. (7520) |  |  | Reviewer Comment (2025-10-15): Sufficient Cure Provided within 60 Days of Closing |  | 10/15/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849035 | xxxxxx | 34732812 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. Must contain all participants. |  | Reviewer Comment (2025-11-03): Received Fraud and OFAC search for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-29): Received full fraud report. However, fraud and OFAC search not run with the suffix. Provide fraud and OFAC search for xxxxxx. Exception remains. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849035 | xxxxxx | 34768768 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Credit report reflects Child Support. Provide the full divorce decree to verify no additional debts as only the child support order was provided and the additional parent's name was blurred out. |  | Reviewer Comment (2025-11-12): Per client email, accepting borrower LOE noting additional spouse name and verifying never married along with blurred out name CS order. Requested clearance.<br>Reviewer Comment (2025-11-09): Received LOX is not acceptable, Provide the full divorce decree to verify no additional debts as only the child support order was provided and the additional parent's name was blurred out. Exception remains.<br>Reviewer Comment (2025-10-29): Received same child support order that was already provided at the time of review. The Child support order has additional parent's name was blurred out and full divorce decree was not provided. Exception remains. | 11/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849051 | xxxxxx | 34939732 | xxxxxx | 11/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE not provided |  | Reviewer Comment (2025-11-19): RCE provided | 11/19/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849051 | xxxxxx | 35013204 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-11-19): Sufficient Cure Provided At Closing |  | 11/19/2025 |  | 1 | A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | 34795183 | xxxxxx | 10/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Final CD or First Payment Letter for the purchase of the xxxxxx property to verify PITIA. |  | Reviewer Comment (2025-10-28): Received closing statement supporting no mortgage lien, insurance and HOA in file, and taxes calculated at 1.25% of the purchase price. See new condition.<br>Reviewer Comment (2025-10-27): The final settlement statement was provided, but does not reflect the PITIA. Provide the final CD with PITIA or first payment letter. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | 34812322 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Consumer purpose investment. PC-CD for current transaction and closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. |  | Reviewer Comment (2025-11-10): LOE provided noting property on xxxxxx will be an investment and not new primary along with updated 1003.<br>Reviewer Comment (2025-11-03): None of the documents clear the condition. Please review the original condition. Consumer purpose investment. Closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR.<br>Reviewer Comment (2025-10-30): No trailing docs for this exception were found. | 11/10/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | 34812323 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,450.00 exceeds tolerance of $1,250.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. (73196) | Cure nor valid COC provided |  | Reviewer Comment (2025-10-31): SitusAMC received rebuttal and valid COC document<br>Reviewer Comment (2025-10-29): SitusAMC: Provided COC in the loan file does not give sufficient information on why the UW fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-10-28): Consumer purpose investment. PC-CD for current transaction and closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR. | 10/31/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | A | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | 34812325 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | Terms do not match |  | Reviewer Comment (2025-10-28): Client elects to waive<br>Reviewer Comment (2025-10-28): Consumer purpose investment. PC-CD for current transaction and closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR. |  |  | 10/28/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | A | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 849071 | xxxxxx | 34598851 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | Provide Mortgage Statement for xxxxxx with xxxxxx Mortgage xxxxxx. If taxes and insurance are not escrowed then provide the documents for proof of taxes and insurance and any HOA, if applicable. Also, final 1003 reflects Creditor name as xxxxxx xxxxxx. |  | Reviewer Comment (2025-10-15): Received Satisfaction Letter to verify mortgage lien in amount of xxxxxx is satisfied. Exception cleared.<br>Reviewer Comment (2025-10-07): Received Mortgage Statement, property history report and HOI policy and corrected 1003. Please provide evidence of mortgage lien in amount of xxxxxx dated xxxxxx is released, as credit report and fraud report does not reflect that the lien is released. Exception remains. | 10/15/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849071 | xxxxxx | 34599465 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849080 | xxxxxx | 34746897 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide the Wire Trade to Settlement Agent document in file. |  | Reviewer Comment (2025-10-23): Received Wire Trade to Settlement Agent document. Exception cleared. | 10/23/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849080 | xxxxxx | 34776722 | xxxxxx | 10/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | HOA is in litigation per HOA cert. Investor exception will be required. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-11-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-29): The litigation is still outstanding, so an exception is required. This is a Securitization requirement. |  |  | 11/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849080 | xxxxxx | 34776762 | xxxxxx | 10/22/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Settlement Agent not provided. Unable to identify Settlement agent name for OFAC search. |  | Reviewer Comment (2025-10-23): Received OFAC search for Settlement agent xxxxxx along with signed HUD confirming the Settlement agent name. Exception cleared. | 10/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849110 | xxxxxx | 34925502 | xxxxxx | 11/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-11-17): Received Credit Report - Gap. Exception Cleared. | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34925554 | xxxxxx | 11/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-11-14): FTP provided | 11/14/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34925672 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information |  | Reviewer Comment (2025-11-14): SitusAMC received Letter of explanation and Corrected Closing disclosure. |  | 11/14/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34925674 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | Reviewer Comment (2025-11-14): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation. | 11/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34925675 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit of $350.00 exceeds tolerance of $0.00. |  | Reviewer Comment (2025-11-14): SitusAMC received Letter of explanation and Corrected Closing disclosure. | 11/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34925676 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $415.00 exceeds tolerance of $365.00 plus 10% or $401.50. $13.50 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Total amount of $415.00 exceeds tolerance of $365.00 plus 10% or $401.50. $13.50 over legal limit. |  | Reviewer Comment (2025-11-14): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 11/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34938122 | xxxxxx | 11/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Confirmation the preparer completed or filed the most recent business tax return<br> ▫ If the CPA, EA, xxxxxx, or Tax Attorney has not completed or filed the borrower's most recent business tax return, the following must be provided:<br> a. Two (2) months business bank statements for the most recent two (2) months reflected on the P&L statement.<br> i. Deposits must support 80% of the monthly average sales/revenue reported on the P&L. If most recent 2 months business bank statements do not support 80% of the monthly average sales/revenue, continuous bank statements may be added to the analysis until the tolerance is met. Preparer notes they manage the tax returns and business accounts provided do not reflect any deposits. |  | Reviewer Comment (2025-11-12): Per investor email, they are accepting manage as prepare and they are not requiring any further documentation.<br>Reviewer Comment (2025-11-11): Received CPA Letter notes they manage the tax returns. However, per guidelines, they must provide confirmation that they have completed or filed the most recent business tax return. Exception remains. | 11/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34938189 | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Multiple liens on title which were not addressed. |  | Reviewer Comment (2025-11-14): Clear FTP provided | 11/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34938257 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  | Reviewer Comment (2025-11-12): Per investor email, they are accepting manage as prepare and they are not requiring any further documentation. | 11/12/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34938258 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-11-12): Per investor email, they are accepting manage as prepare and they are not requiring any further documentation. | 11/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34938314 | xxxxxx | 11/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide the co-op maintenance fees. Must be added to ratios. |  | Reviewer Comment (2025-11-11): Received co-op maintenance fees. Exception cleared. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849110 | xxxxxx | 34983653 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $415.00 exceeds tolerance of $365.00 plus 10% or $401.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing |  | 11/14/2025 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849150 | xxxxxx | 34702241 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Appraisal with only one comparable SFR with ADU.<br> Compensating Factors:<br> A+++ Credit (787 FICO)<br> 36 - month liquid cash reserves (LCR) post closing. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-08): Client elects to regrade and waive based on the following comp factors <br> Guidelines Representative FICO: 700<br> Representative FICO: 787 |  |  | 10/08/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849153 | xxxxxx | 34702235 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for no VOR history , max LTV is 75%, requesting a 5% LTV exception | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-08): Client elects to regrade and waive based on the following comp factors: <br> Borrower has FICO of 808 <br> Requirement FICO 680 <br> Borrower has 6 months reserves <br> Guideline requirement reserves 0 |  |  | 10/08/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849153 | xxxxxx | 34702236 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to waive impounds on xxxxxx property. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-08): Client elects to regrade and waive based on the following comp factors: <br> Borrower has FICO of 808 <br> Requirement FICO 680 <br> Borrower has 6 months reserves <br> Guideline requirement reserves 0 |  |  | 10/08/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849158 | xxxxxx | 34735663 | xxxxxx | 10/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in file. |  | Reviewer Comment (2025-10-13): We do not condition for a corporate resolution unless the operating agreement specifically requires one. The operation agreement in this case does not require one | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849162 | xxxxxx | 34735665 | xxxxxx | 10/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-13): Final title provided | 10/13/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849162 | xxxxxx | 34735666 | xxxxxx | 10/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-13): Final title provided | 10/13/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849162 | xxxxxx | 34735667 | xxxxxx | 10/09/2025 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx, Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx | Foreign nationals are required to have sourced and 60 days seasoned funds for earnest money deposit and closing costs. File only has 30 days seasoned for xxxxxx and xxxxxx. |  | Reviewer Comment (2025-10-13): VOD provided in file | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849164 | xxxxxx | 34702244 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested to use the appraised value of xxxxxx, the subject property was purchased on xxxxxx for xxxxxx. The exception is approved with the loan must meet all other program requirement and exception may subject to pricing adjustment. | The representative FICO score exceeds the guideline minimum by 40 points. | Reviewer Comment (2025-10-09): Client elects to regrade and waive based on the following comp factors:<br> The representative FICO score exceeds the guideline minimum by 40 points.<br> Property has good collateral |  |  | 10/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849166 | xxxxxx | 34603364 | xxxxxx | 09/25/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Lender approved exception for 5% LTV exception. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 3 Properties and has Completed 3 Properties. | Reviewer Comment (2025-09-25): Client elects to regrade and waive based on the following comp factors: <br> borrower is seasoned investor with a track recording owning 3 properties. |  |  | 09/25/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849166 | xxxxxx | 34603365 | xxxxxx | 09/25/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 664 is less than Guideline representative FICO score of 680. | Lender approved exception for minimum FICO. Minimum FICO for rural properties is 680 and our FICO is 664 | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 3 Properties and has Completed 3 Properties. | Reviewer Comment (2025-09-25): Client elects to regrade and waive based on the following comp factors: <br> borrower is seasoned investor with a track recording owning 3 properties. |  |  | 09/25/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849169 | xxxxxx | 34735668 | xxxxxx | 10/09/2025 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx | Lease agreement not provided. |  | Reviewer Comment (2025-10-13): Lease not required on No Ratio | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849169 | xxxxxx | 34735669 | xxxxxx | 10/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  | Reviewer Comment (2025-10-13): Provided | 10/13/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849181 | xxxxxx | 34743281 | xxxxxx | 10/21/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter not provided for 1st appraisal. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-21): Client elects to waive |  |  | 10/21/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849181 | xxxxxx | 34743298 | xxxxxx | 10/21/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-29): Received Title Final. Exception cleared. | 10/29/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849181 | xxxxxx | 34743299 | xxxxxx | 10/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-29): Received Title Final. Exception cleared. | 10/29/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849181 | xxxxxx | 34743312 | xxxxxx | 10/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | There are two mortgages that were recently paid off on the closing statements for the properties on xxxxxx and xxxxxx - xxxxxx $31,863.63 and xxxxxx $39,225 that do not appear on the borrower's credit. Provide the 12 month housing history for each. |  | Reviewer Comment (2025-11-03): Received Closing Statement reflecting $31,863.63 and $39,225 are loan fees that are charged during the refinance that resulted payoff. Exception cleared.<br>Reviewer Comment (2025-10-29): No new document are uploaded in clarity. Provide the document requested as per original condition. Exception remains. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849181 | xxxxxx | 34768884 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The xxxxxx recently paid off on the REO property reflects modified. Provie the modification agreement. Must meet all guidelines. |  | Reviewer Comment (2025-11-04): Received Loan Modification Agreement for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-30): Received Modification agreement for xxxxxx, however provide modification agreement for xxxxxx for account xxxxxx as credit supplement reflects the mortgage was modified. Exception remains.<br>Reviewer Comment (2025-10-29): No new document are uploaded in clarity. Provide the document requested as per original condition. Exception remains. | 11/04/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Purchase | D B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | 34717508 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.45393% or Final Disclosure APR of 8.45600% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-11-04): Origination appraisal provided completed xxxxxx, delivery of appraisal provided, 3 days acknowledgment provided and delivery of updated appraisal provided.<br>Reviewer Comment (2025-10-24): The completion date of the report is xxxxxx Delivery says sent xxxxxx A report cannot be delivered prior to its completion. Also, loan closed xxxxxx business days did not transpire between appraisal completion date and loan closing. (Note: Effective date of appraisal is when the appraiser is assigned the report, completion is when they complete the report). | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | 34717509 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-11-04): Origination appraisal provided completed xxxxxx, delivery of appraisal provided, 3 days acknowledgment provided and delivery of updated appraisal provided.<br>Reviewer Comment (2025-10-31): Please provide the original appraisal that was sent on xxxxxx Also, to satisfy HPML regulations, we need proof that the xxxxxx appraisal was sent to the borrower as well. As long as the value did not change from the original appraisal, the xxxxxx one can be delivered at any time, just need proof of delivery.<br>Reviewer Comment (2025-10-24): The completion date of the report is xxxxxx Delivery says sent xxxxxx A report cannot be delivered prior to its completion. Also, loan closed xxxxxx business days did not transpire between appraisal completion date and loan closing. (Note: Effective date of appraisal is when the appraiser is assigned the report, completion is when they complete the report). | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | 34717513 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-10-27): SitusAMC received disclosure tracking for the xxxxxx CD. | 10/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | 34741936 | xxxxxx | 10/16/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | Borrower is a first time homebuyer. Per xxxxxx satellite photos, the borrower's are living in an xxxxxx on their owned vacant land. Vacant land is not considered property owned. Borrower has no housing history. Max 80% LTV. |  | Reviewer Comment (2025-10-29): Evidence that the borrowers live in a xxxxxx rather than an xxxxxx was provided. They are no longer considered FTHB. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | 34894807 | xxxxxx | 11/04/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-11-04): Client elects to waive |  |  | 11/04/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | 34767519 | xxxxxx | 10/24/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-29): Title Policy is Preliminary or Commitment, and not a Final Title Policy. Exception cleared. | 10/29/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | 34767520 | xxxxxx | 10/24/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-29): Received Final Title Policy. Exception cleared. | 10/29/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | 34767794 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate. |  | Reviewer Comment (2025-10-29): Received Business Purpose Certificate. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | 34794464 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The credit report reflects xxxxxx was modified. Provide the modification agreement. |  | Reviewer Comment (2025-11-04): Modification provided along with email that it came from the lender in question<br>Reviewer Comment (2025-10-29): Received Modification agreement, however the same is not executed. Please provide the executed copy. Exception remains. | 11/04/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849239 | xxxxxx | 34964239 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-12-01): SitusAMC received initial CD. | 12/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849239 | xxxxxx | 34964240 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $615.00 exceeds tolerance of $605.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $605.00 on the Loan Estimate, but was disclosed as $615.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $10.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-12-01): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 12/01/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849239 | xxxxxx | 35001209 | xxxxxx | 11/17/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. |  |  | Reviewer Comment (2025-11-17): Client elects to waive |  |  | 11/17/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | 34773171 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.73103% or Final Disclosure APR of 7.78800% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-11-04): Delivery provided<br>Reviewer Comment (2025-11-03): The delivery date is xxxxxx, however appraisal was not completed until xxxxxx An appraisal cannot be delivered prior to it's completion. Effective date is when the appraiser is assigned the appraisal and completion date is when the report is completed. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | 34773172 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-11-04): Delivery provided<br>Reviewer Comment (2025-11-03): The delivery date is xxxxxx, however appraisal was not completed until xxxxxx An appraisal cannot be delivered prior to it's completion. Effective date is when the appraiser is assigned the appraisal and completion date is when the report is completed. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | 34773178 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $475.00 exceeds tolerance of $425.00 plus 10% or $467.50. $7.50 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded due to increase in Recording Fees. Total amount of $475.00 exceeds tolerance of $425.00 plus 10% or $467.50. $7.50 over legal limit. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-11-05): Situsamc Detailed LOE, Refund Check and Proof of Mailing |  | 11/05/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | 34773205 | xxxxxx | 10/24/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Per the final 1003 and Online search, it seems the property was recently purchased. Provide Final CD / First payment letter to verify the PITIA payments on the property. |  | Reviewer Comment (2025-11-03): Received First payment letter. Exception cleared. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849322 | xxxxxx | 34782941 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the Note for the property on xxxxxx to support borrower is no obligated to the mortgage. Mortgage reflects in borrower's name per property profile report. Mortgage Statement in file does not reflect borrower's name. Mortgage Statements do not always reflect all borrowers. |  | Reviewer Comment (2025-11-11): Received 1003 and 1008. Exception cleared.<br>Reviewer Comment (2025-11-07): As per Note document borrower is no obligated to the mortgage. Provide corrected 1003 and 1008 removing the Rental Income. DTI is inline. Exception remains.<br>Reviewer Comment (2025-11-05): Received is loan account history statement. Provide VOM or Note that the borrower is not liable for mortgage payment. Exception remains.<br>Reviewer Comment (2025-10-31): Received LOX and deed, however that is not acceptable document to verify if borrower is not liable for mortgage payment. Provide, Note or VOM to verify housing history. Exception remains.<br>Reviewer Comment (2025-10-24): While the payment is included in the DTI, documentation provided does not show the borrower is responsible for the mortgage. Please provide supporting documentation for this property as to the ownership and responsible parties | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849322 | xxxxxx | 34782969 | xxxxxx | 10/23/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Rental income used and needed to qualify. Per guidelines, lease agreement and one of the following is required: Appraisal 1007, 2 months rental income receipt proof, or security deposit and first month rent. Lease agreement only provided. |  | Reviewer Comment (2025-10-24): Documentation provided. Exception cleared | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849389 | xxxxxx | 34962525 | xxxxxx | 11/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-11-25): Received Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 11/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849389 | xxxxxx | 34962616 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $330.50 exceeds tolerance of $284.00 plus 10% or $312.40. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849389 | xxxxxx | 34991774 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-26): Fraud report document provided and associated. Exception cleared | 11/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849409 | xxxxxx | 34796910 | xxxxxx | 10/30/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by xxxxxx. Missing Replacement Cost Estimator. |  | Reviewer Comment (2025-11-11): Agency confirming 100% replacement cost and check list reflecting replacement cost verbiage provide. Meets xxxxxx overlays. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849409 | xxxxxx | 34796944 | xxxxxx | 10/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception - Property is xxxxxx acres. It appears to be a xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-10-30): The client elects to waive.<br> Appraiser confirms subject as suburban on < 10 acres on a public asphalt street, all comparables are < 3 miles from the subject. Subject is a largley wooded lot and does not appear to be income producing |  |  | 10/30/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849409 | xxxxxx | 34796995 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $577.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849412 | xxxxxx | 34865181 | xxxxxx | 11/05/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,175.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849412 | xxxxxx | 34894481 | xxxxxx | 11/05/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum reserve requirement of 6 months for an escrow waiver (normal program requirements met). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-07): Condition cannot be waived. Loan was reviewed to lender's guidelines dated 11.2025. Per page 29, Non-HPML Consumer Purpose Loans & Business Purpose Loans<br> - LTV ≤ 80%<br> - FICO ≥ 720<br> - Minimum 6 months reserves |  |  | 11/13/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849412 | xxxxxx | 34894555 | xxxxxx | 11/05/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-04): Client elects to waive |  |  | 11/04/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849417 | xxxxxx | 34756459 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided |  | The Note reflects an I/O payment but not I/O terms. The Final CD reflects loan is an I/O. |  | Reviewer Comment (2025-11-03): Received Note Addendum - Interest Only. Exception cleared. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849417 | xxxxxx | 34785526 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-10-23): Client elects to waive |  |  | 10/23/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | 34766723 | xxxxxx | 10/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-23): Supplement provided | 10/23/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | 34772661 | xxxxxx | 10/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Final CD or First Payment Letter for the purchase of the xxxxxx property to verify PITIA. |  | Reviewer Comment (2025-10-28): Closing statement provided reflecting no financing, HOI and HOA in file, and taxes calculated at 1.25% of purchase price for xxxxxx. See new conditions. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | 34812829 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Consumer purpose investment. Closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR. |  | Reviewer Comment (2025-11-10): LOE provided noting property on xxxxxx will be an investment and not new primary along with updated 1003.<br>Reviewer Comment (2025-11-03): None of the documents clear the condition. Please review the original condition. Consumer purpose investment. Closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR.<br>Reviewer Comment (2025-10-30): No trailing docs for this exception were found. | 11/10/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | 34812830 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | Terms do not match |  | Reviewer Comment (2025-10-28): Client elects to waive |  |  | 10/28/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | A | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 849423 | xxxxxx | 34786456 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Final CD or First Payment Letter for the purchase of the xxxxxx property to verify PITIA. |  | Reviewer Comment (2025-10-28): Received final settlement statement reflecting no financing. HOI and HOA in file and taxes calculated at 1.25% for xxxxxx of purchase price. See new condition.<br>Reviewer Comment (2025-10-27): The final settlement statement was provided, but does not reflect the PITIA. Provide the final CD with PITIA or first payment letter. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849423 | xxxxxx | 34812650 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Consumer purpose investment. PC-CD for current transaction and closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR. |  | Reviewer Comment (2025-11-10): LOE from borrower noting property on xxxxxx will be an investment along with corrected 1003.<br>Reviewer Comment (2025-11-03): None of the documents clear the condition. Please review the original condition. Consumer purpose investment. Closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR.<br>Reviewer Comment (2025-10-30): No trailing docs for this exception were found. | 11/10/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849423 | xxxxxx | 34812651 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | Terms do not match |  | Reviewer Comment (2025-10-28): Client elects to waive |  |  | 10/28/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | A | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | 34787017 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Final CD or First Payment Letter for the purchase of the xxxxxx property to verify PITIA. |  | Reviewer Comment (2025-10-28): Final stamped settlement statement provided. Property not financed. Evidence of insurance and HOA in file. Taxes calculated at 1.25% of sales price.<br>Reviewer Comment (2025-10-27): The final settlement statement was provided, but does not reflect the PITIA. Provide the final CD with PITIA or first payment letter. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | 34787074 | xxxxxx | 10/23/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Provide evidence of HOI. Concurrent loans had this in file. |  | Reviewer Comment (2025-10-27): Received HOI policy for the property located at xxxxxx. Exception cleared. | 10/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | 34812814 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Consumer purpose investment. Closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR. |  | Reviewer Comment (2025-11-10): LOE from borrower noting property on xxxxxx will be an investment along with corrected 1003.<br>Reviewer Comment (2025-11-03): None of the documents clear the condition. Please review the original condition. Consumer purpose investment. Closing statement for new purchase on xxxxxx which 1003 supports will be a new primary residence, support funds from this transaction transferred to xxxxxx property for purchase. Consumer purpose investment PPP not allowed. Full Trid/ ATR.<br>Reviewer Comment (2025-10-30): No new trailing docs for this exception were found. | 11/10/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | 34812815 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | Terms do not match |  | Reviewer Comment (2025-10-28): Client elects to waive |  |  | 10/28/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | A | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 849436 | xxxxxx | 34765249 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The authorized seller signor, xxxxxx is missing. |  | Reviewer Comment (2025-10-28): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 10/28/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849436 | xxxxxx | 34785975 | xxxxxx | 10/23/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Per guidelines, a lease agreement is required when rental income is used to qualify. Guidelines do not excluded new purchases. |  | Reviewer Comment (2025-10-31): Received Lease Agreement. Exception cleared.<br>Reviewer Comment (2025-10-24): Condition cannot be waived. The guidelines which this loan was reviewed to which is the 4.28.2025 lender guidelines require a lease when rental income is used to qualify and does not exclude new purchases. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849448 | xxxxxx | 34805589 | xxxxxx | 10/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Title was originally in the name of a Trust prior to transfer at closing. Provide a copy of the Trust to verify ownership (refinance). |  | Reviewer Comment (2025-11-12): Trust agreement provided<br>Reviewer Comment (2025-10-31): The property was transferred from Trust to individual. Therefore, a Trust agreement is required to verify the ownership interest and the name of the trustees on the subject property. Exception remains. | 11/12/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849448 | xxxxxx | 34805639 | xxxxxx | 10/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE reflect xxxxxx and dwelling coverage is xxxxxx. |  | Reviewer Comment (2025-11-07): Agent email provided noting what the ext replacement cost coverage is as noted included on the HOI policy. Added extended replacement cost and borrower now has sufficient insurance.<br>Reviewer Comment (2025-11-03): Loan was not reviewed to xxxxxx guidelines but lender's guidelines. The coverage must be 100% of the insurable replacement cost which is xxxxxx and dwelling coverage is xxxxxx. 80% of the unpaid principal balance is $1,008,000 but it doss not equal at least 80% of the insurable value.<br>Reviewer Comment (2025-10-30): Per guidelines Coverage must be equal to the lesser of:<br> 100% of the insurable replacement cost of the improvements, or<br> The unpaid principal balance of the mortgage, provided it equals at least 80% of the insurable value. Exception remains. | 11/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849464 | xxxxxx | 34908787 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: xxxxxx , Borrower: xxxxxx | 1. Subject transaction is Purchase of Primary Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as No.<br> 2. In addition to above, also correct the (Section 5 A) "If Yes, have you had an ownership interest in another property in the last three years?" is checked as No, however, borrowers had a ownership interest at property located on xxxxxx which was sold recently.<br>Provide corrected 1003 |  | Reviewer Comment (2025-11-12): Received corrected 1003. Exception cleared. | 11/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849464 | xxxxxx | 34913900 | xxxxxx | 11/07/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849481 | xxxxxx | 34916033 | xxxxxx | 11/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-07): Client elects to waive with verified compensation factors |  |  | 11/07/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849489 | xxxxxx | 34777794 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Estimated Property Costs over Year 1 on page 4 of the final CD is blank. |  | Reviewer Comment (2025-11-06): SitusAMC received Letter of explanation and Corrected Closing disclosure. |  | 11/06/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849489 | xxxxxx | 34777814 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Projected Payments section (pg 1): Estimated Taxes, Insurance, & Assessments reflects $0.00. |  | Reviewer Comment (2025-11-06): SitusAMC received Letter of explanation and Corrected Closing disclosure. |  | 11/06/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849489 | xxxxxx | 34777815 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Will not have an escrow account is checked and Non-Escrowed Property Costs over Year 1 is blank. |  | Reviewer Comment (2025-11-06): SitusAMC received Letter of explanation and Corrected Closing disclosure. |  | 11/06/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849510 | xxxxxx | 34773208 | xxxxxx | 10/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide trust agreement as provided bank statement (xxxxxx xxxxxx xxxxxx) is in the name of the trust xxxxxx. |  | Reviewer Comment (2025-11-06): Received Trust Agreement associated. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849510 | xxxxxx | 34794496 | xxxxxx | 10/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A xxxxxx dated within 10 days of Note date must be provided with the closed loan package for Non-QM Full Doc, Bank Statement, 1099 and P&L Loans only. Any new inquiries, accounts, or derogatory information to be acceptably explained/documented by the Borrower. |  | Reviewer Comment (2025-10-29): Received Credit Report - Gap. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | 34785618 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per guidelines, 2 years business license required. If a business license is not required, an LOE from the borrower on the nature of business is required. Preparer notes no business license required, however the LOE from the borrower is still required. |  | Reviewer Comment (2025-11-04): Received LOE from the borrower explaining on the nature of business. Exception cleared.<br>Reviewer Comment (2025-10-30): Per guidelines, LOE must be from the borrower on the nature of business. Provide LOE for the same. Exception remains.<br>Reviewer Comment (2025-10-27): Received CPA letter which was already in file wherein Preparer notes no business license required, however the LOE from the borrower is still required. Provide LOE from borrower. Exception remains. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | 34785624 | xxxxxx | 10/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. |  | Reviewer Comment (2025-10-27): Received credit refresh. Exception cleared. | 10/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | 34785639 | xxxxxx | 10/23/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide the mortgage statement to reflect taxes and insurance are escrowed, or provide evidence of insurance. Note: Final 1003 reflects Pending Sale, however there is no proof of this in file nor the Final CD to verify sold. |  | Reviewer Comment (2025-10-27): Received Property History Report wherein the property was sold. Exception cleared. | 10/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | 34785643 | xxxxxx | 10/23/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Declining Market: 5% LTV reduction. |  | Reviewer Comment (2025-10-30): An updated appraisal reflecting that property values are stable was provided.<br>Reviewer Comment (2025-10-24): The LTV was reduced as the property is in a declining market. This exception can be waived down with comp factors at lenders request | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849561 | xxxxxx | 34804840 | xxxxxx | 10/31/2025 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date xxxxxx , Note Date xxxxxx |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-31): The client elects to waive. |  |  | 10/31/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849598 | xxxxxx | 34773274 | xxxxxx | 10/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-29): Received Full Fraud Report. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849598 | xxxxxx | 34773275 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report is missing. Must contain all participants. |  | Reviewer Comment (2025-10-29): Received full Fraud Report and contain all participants. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849598 | xxxxxx | 34773276 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-10-29): Received Approval. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849673 | xxxxxx | 34822745 | xxxxxx | 10/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by xxxxxx. Provide updated policy reflecting minimum coverage of $880,000.00 OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  | Reviewer Comment (2025-11-03): Agent email provided verifying 100% replacement cost verbiage which meets xxxxxx overlays. | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849713 | xxxxxx | 34944320 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-11-19): SitusAMC received disclosure summary. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849713 | xxxxxx | 34944351 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Loan modification within the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors |  |  | 11/13/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849845 | xxxxxx | 34757974 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Primary property history for mortgage account xxxxxx is not reflecting on the credit report. Mortgage statement and 12 month creditor pay history provided. Provide borrower's 6 month pay history via bank statements/cancelled checks. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849845 | xxxxxx | 34757975 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-10-30): The Final Settlement Statement was provided. | 10/30/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849845 | xxxxxx | 34757979 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-10-30): A fraud report with the Sellers included was provided. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850025 | xxxxxx | 34894972 | xxxxxx | 11/05/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $140.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | The Credit Report Fee on the Loan Estimate dated xxxxxx was $125.00; however, the final Closing Disclosure reflects $140.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850025 | xxxxxx | 34911735 | xxxxxx | 11/05/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-06): Client elects to waive |  |  | 11/06/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34865837 | xxxxxx | 11/05/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-11-18): Final title policy | 11/18/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34865846 | xxxxxx | 11/05/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $700.00 is less than Cash From Borrower $2,241.26. | Additional asset documentation not provided |  | Reviewer Comment (2025-11-13): Paid POCB provided | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34865865 | xxxxxx | 11/05/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-11-18): FTP provided | 11/18/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34866012 | xxxxxx | 11/05/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Provide Verbal Verification of Employment (VVOE) for the employer (xxxxxx) within 10 calendar days prior to the note date. |  | Reviewer Comment (2025-11-10): VVOE provided | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34866035 | xxxxxx | 11/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | No asset documentation was provided. |  | Reviewer Comment (2025-11-18): Asset statement provided. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34866043 | xxxxxx | 11/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves and insufficient income documents |  | Reviewer Comment (2025-11-18): Asset statement provided. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34866044 | xxxxxx | 11/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves and insufficient income documents |  | Reviewer Comment (2025-11-18): Asset statement provided. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34880101 | xxxxxx | 11/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-11): Received OFAC/GSA/HUD/LDP search for settlement agent. Exception cleared. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34894919 | xxxxxx | 11/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Property taxes are due and now delinquent as well as defaulted taxes noted for xxxxxx due by xxxxxx not paid through closing. |  | Reviewer Comment (2025-11-26): Received amendment to final title policy removing defaulted taxes item and email from settlement agent.<br>Reviewer Comment (2025-11-19): The documents do not clear this condition. The final title policy cannot reflect defaulted taxes as it is a final. Provide the updated final title policy as well as the email from title regarding updates.<br>Reviewer Comment (2025-11-13): FTP provided, however still reflects defaulted taxes open and not paid. Also as noted on xxxxxx , the Final settlement statement was provided which reflects taxes and defaulted taxes were POCB by the borrower. This does not match the PC-CD in file and changes the cash to close requirement. Provide the PC-CD reflecting POCB taxes and defaulted taxes paid prior to closing. The unsigned settlement statement provided in trailing docs is not acceptable and still reflects taxes POCB.<br>Reviewer Comment (2025-11-10): The Final settlement statement was provided which reflects taxes and defaulted taxes were POCB by the borrower. This does not match the PC-CD in file and changes the cash to close requirement. Provide the PC-CD reflecting POCB taxes and defaulted taxes paid prior to closing. | 11/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | 34895070 | xxxxxx | 11/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx xxxxxx Lookup | Provide the xxxxxx lookup per the P&L program guidelines. |  | Reviewer Comment (2025-11-13): Received xxxxxx lookup. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850032 | xxxxxx | 34687441 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National |  | ACH was provided, however the guidelines also require a copy of the voided check. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-15): Received ACH. ACH lists xxxxxx as xxxxxx in xxxxxx. This bank offers checks for their checking account. Also, per the Mercury.com website paper checks can be issued online. |  |  | 10/16/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850032 | xxxxxx | 34687567 | xxxxxx | 10/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 does not reflect a 2 year overseas primary housing history. |  | Reviewer Comment (2025-10-16): Updated 1003 provided | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850066 | xxxxxx | 34713643 | xxxxxx | 10/15/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-10-16): E-consent provided | 10/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850066 | xxxxxx | 34730869 | xxxxxx | 10/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1040 - Schedule C (2023) | Loan was submitted as 2 year full doc. Provide the 2023 tax returns for B2 for the Schedule C business. |  | Reviewer Comment (2025-10-31): The program changed to a one-year full doc. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850066 | xxxxxx | 34730870 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan was submitted as 2 year full doc. Provide the 2023 tax returns for B2 for the Schedule C business. |  | Reviewer Comment (2025-10-31): The loan program changed to one-year full doc. | 10/31/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850066 | xxxxxx | 34730871 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan was submitted as 2 year full doc. Provide the 2023 tax returns for B2 for the Schedule C business. |  | Reviewer Comment (2025-10-31): The loan program changed to one-year full doc. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850085 | xxxxxx | 34915646 | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - The home comes with 1/7 piece of the lot APN xxxxxx - Prelim shows 1 APN but also mentions TOGETHER WITH AN INDIVIDUAL ONE SEVENTH INTEREST IN AND OUT TO LOT "B" AS SHOWN ON xxxxxx UNIT NO. xxxxxx, RECORDED IN BOOK 94 OF MAPS, MAP NO.24, RECORDS OF SAID COUNTY. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors |  |  | 11/06/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34755606 | xxxxxx | 10/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-11-03): FTP provided | 11/03/2025 |  |  | 1 | A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34755688 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Disbursement date on the Final CD is the same as the RTC expiration date. If the disbursement date on the Final CD is incorrect, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-11-03): Final stamped settlement statement provided updating disbursement date. Rescission met. | 11/03/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34756511 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-11-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-18): Received Modification agreement. However, First Lien Note is still required. Exception remains.<br>Reviewer Comment (2025-10-31): Received Note is for the second lien. However the Note requested is for the First lien. Exception remains. |  |  | 11/20/2025 | 2 | D B | D B | N/A | N/A D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34756547 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Preparer's current state license | Provide preparer's current state license. Per guidelines, preparer must be a CPA, enrolled agent, or properly licensed accounting/bookkeeping firm supervised by a certified accountant. |  | Reviewer Comment (2025-10-31): Received xxxxxx for the preparer. Exception cleared. | 10/31/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34756561 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide preparer's current state license. Per guidelines, preparer must be a CPA, enrolled agent, or properly licensed accounting/bookkeeping firm supervised by a certified accountant. |  | Reviewer Comment (2025-11-03): License provided | 11/03/2025 |  |  | 1 | B A C | B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34756562 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide preparer's current state license. Per guidelines, preparer must be a CPA, enrolled agent, or properly licensed accounting/bookkeeping firm supervised by a certified accountant. |  | Reviewer Comment (2025-11-03): License provided | 11/03/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34777677 | xxxxxx | 10/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Delinquent taxes shown and tax cert reflects 2023 and 2022 taxes were not paid. |  | Reviewer Comment (2025-11-03): Clear FTP provided | 11/03/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | 34777682 | xxxxxx | 10/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy and Supplement: Reflects xxxxxx and xxxxxx. Should just reflect xxxxxx as the city. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-05): The email from title does not state the city is correct. It says the actual city is xxxxxx and added area of xxxxxx. All documents in file do not state this. It reflects the city is xxxxxx, not area nor reflects city as xxxxxx<br>Reviewer Comment (2025-11-03): The FTP provided still reflects the same thing as the prelim title. Please review the original condition. Reflects xxxxxx and xxxxxx. Should just reflect xxxxxx as the city. |  |  | 11/17/2025 | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850130 | xxxxxx | 34765277 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-10-24): 1008 w/ UW name provided | 10/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850130 | xxxxxx | 34789018 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | The provided credit report reflects an installment account xxxxxx reflecting the outstanding balance as $xxxxxx without any monthly payments, however, the provided LOE for inquiries indicate that the above account was recently opened with a minimum monthly payment of $350.00. Provide an account statement to determine the outstanding balance and monthly payment for the account. |  | Reviewer Comment (2025-11-10): Full balance of account also added to monthly payment per client request. DTI still within guidelines. Balance is on credit report.<br>Reviewer Comment (2025-10-31): The 5% is used for revolving account. However, the account is an installment account. Therefore, provide an account statement to determine the outstanding balance and monthly payment for the account. Exception remains.<br>Reviewer Comment (2025-10-27): Received 1008 and 1003. However, condition is raised for an account statement to determine the outstanding balance and monthly payment for the account. Exception remains. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850132 | xxxxxx | 34765418 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Certificate of Good Standing or screen shot from state website and The date the document was pulled must be dated within 120 days of the Note date. |  | Reviewer Comment (2025-10-30): Received Certificate of Good Standing from SOS. Exception cleared. | 10/30/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850170 | xxxxxx | 34895335 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,351,577.50 is over disclosed by $275.00 compared to the calculated Amount Financed of $1,351,302.50 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $1,351,577.50; calculated amount financed is $1,351,302.50. Variance is $275.00. Lender did not include the $275.00 Appraisal Management Fee. |  | Reviewer Comment (2025-11-11): SitusAMC received lender attestation confirming AMC fee primarily for verifying & confirming appraisal info & 4c7 excludable | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850170 | xxxxxx | 34895336 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,937,249.44 is under disclosed by $275.00 compared to the calculated Finance Charge of $1,937,524.44 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,937,249.44; calculated finance charge is $1,937,524.44. Variance is $275.00. Lender did not include the $275.00 Appraisal Management Fee. |  | Reviewer Comment (2025-11-11): SitusAMC received lender attestation confirming AMC fee primarily for verifying & confirming appraisal info & 4c7 excludable | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850172 | xxxxxx | 34882971 | xxxxxx | 11/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-10): Received Fraud and OFAC search run on seller, xxxxxx. Exception cleared. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850172 | xxxxxx | 34885796 | xxxxxx | 11/06/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final application shows the borrower's previous primary residence on xxxxxx as "Sold", however, per the fraud report it is still owned by the borrower. Also, a closing statement dated xxxxxx is for a refinance of this property. Provide a correct final application. |  | Reviewer Comment (2025-11-10): Corrected application provided | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850175 | xxxxxx | 34785693 | xxxxxx | 10/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The preparer notes borrower is 100% owner of " the business". Does not specify what business. |  | Reviewer Comment (2025-11-07): Updated CPA letter dated prior to closing provided<br>Reviewer Comment (2025-11-06): No new document was received. Provide the document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-10-30): Received LOX regarding business name being updated under borrower's name, xxxxxx. Provide updated CPA letter to reflect the same. Exception remains.<br>Reviewer Comment (2025-10-27): The preparer notes does not specify the name of the business. Provide corrected CPA Letter. Exception remains. | 11/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850175 | xxxxxx | 34785731 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Reflects xxxxxx). Should only reflect xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-04): Lender would like to waive. Assigned to investor. |  |  | 11/07/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850183 | xxxxxx | 34912249 | xxxxxx | 11/06/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum 720 FICO for an escrow waiver. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-13): Condition cannot be cleared. The investor provided us with the 11.2025 guidelines to review to. If a re-underwrite is required, this will need to come from the investor.<br>Reviewer Comment (2025-11-10): The condition cannot be waived. The loan was reviewed to the lender's 11.2025 guidelines. Page 29: Escrow Waivers<br> • Non-HPML Consumer Purpose Loans & Business Purpose Loans<br> - LTV ≤ 80%<br> - FICO ≥ 720<br> - Minimum 6 months reserves |  |  | 11/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850183 | xxxxxx | 34913034 | xxxxxx | 11/06/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  | Reviewer Comment (2025-11-10): License provided | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850190 | xxxxxx | 34806290 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide Fraud report. |  | Reviewer Comment (2025-11-04): Received Fraud Report. Exception cleared. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850190 | xxxxxx | 34806381 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in OFAC search. The Property Sellers, xxxxxx and xxxxxx is missing. |  | Reviewer Comment (2025-11-06): Received Fraud Report and OFAC on seller xxxxxx. Exception cleared.<br>Reviewer Comment (2025-11-04): Received Fraud and OFAC search run on xxxxxx. Provide Fraud and OFAC search on xxxxxx. Exception remains. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850192 | xxxxxx | 34912953 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The CD in file with an issue date of xxxxxx reflects a disbursement date which is the same as the RTC expiration date. It appears the Final CD is missing. |  | Reviewer Comment (2025-11-19): Final CD provided with disbursement date after rescission. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850192 | xxxxxx | 34915112 | xxxxxx | 11/07/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Based on CPA letter and P&L's, the borrower is an xxxxxx. It does not appear the borrower owns this business. Provide the corrected 1003 reflecting business name as the borrower name. |  | Reviewer Comment (2025-11-13): Received corrected 1003. Exception cleared.<br>Reviewer Comment (2025-11-10): The condition cannot be waived and 1003 uploaded is not correct. It says the borrower owns xxxxxx and is their current employer. Previous job says xxxxxx. The borrower does not own these businesses based on the P&L and CPA reflects self titled business. If borrower does own xxxxxx then the CPA needs to verify this is the business being verified as it does not. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850195 | xxxxxx | 34785141 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage ratings for the property located at xxxxxx not provided for both mortgage liens. Per guidelines, if the borrower is on Title only of the primary residence and mortgage obligation is under a third party, 12-month mortgage rating and 6 month payment proof is required. Copy of Notes only provided. |  | Reviewer Comment (2025-11-11): Received additional 6 months payment proof. Exception Cleared.<br>Reviewer Comment (2025-11-07): Received 12-month mortgage statement and only 3 months payment proof. Provide additional 3 months payment proof. Exception remains. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850198 | xxxxxx | 34805829 | xxxxxx | 10/31/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $834,711.86 is under disclosed by $240.31 compared to the calculated total of payments of $834,952.17 which exceeds the $35.00 threshold. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. |  | Reviewer Comment (2025-11-07): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-11-05): CD is acceptable, however the cure for this exception on a rescindable transaction still requires a Copy of the refund check, re-opening of rescission, LOE and proof of delivery to complete remediation.<br>Reviewer Comment (2025-11-04): SitusAMC recognizes that fees can be updated in dry funding state, however, testing methodology generally remains the same. Creditors are required to disclose CDs based on best information reasonably known to the creditor at time of disclosure. This best information reasonably available standard requires the creditor to exercise due diligence in obtaining the information. Similar to pre-TRID reviews or reviews of loans not subject to TRID, the APR, Finance Charge, TOP and other material disclosures disclosed on the TIL Disclosure provided at consummation are compared to the actual APR, Finance Charge and TOP at consummation (using the fees from the final HUD in file which could be dated post consummation on a dry state). The accuracy of material disclosures is based on the disclosures provided at or before consummation, not based on a TIL provided post consummation. SitusAMC reviews pursuant to the SFA TRID Grid, Additional Considerations, Row 20, which provides: <br>Post Close CD - Material Disclosures Accuracy Test: Prior to TRID, material disclosures disclosed on the final TIL provided to the borrower at or before closing are compared to figures disclosed on most recent HUD-1 (issued pre or post close). Similarly, for TRID loans, TPRs will assume at initial review that fee changes reflected on PCCDs are corrections (similar to corrected HUD-1s), not updates of fees resulting from changes occurring after closing (lender incorrectly disclosed fees they were aware of or should have been aware of on final CD and issued a PCCD reflecting actual fees that should have been disclosed on final CD). Accordingly, TPR will calculate the APR, Finance Charge and TOP based on corrected fees on PCCD and cite exceptions if APR, Finance Charge and TOP disclosed on final CD are inaccurate based on fees shown on PCCD, an xxxxxx exception will be cited if APR, Finance Charge, TOP on final CD are outside of tolerance for accuracy based on fees on most recent PCCD issued within 60 days of consummation (PCCD greater than 60 days from consummation will require accompanying xxxxxx settlement statement to confirm figures disclosed to be used for testing) unless: 1) discrepancy results from change in interim interest due to difference in anticipated vs. actual disbursement date; or 2) there is a corresponding lender credit/cure for the amount of the increase in fees paid by borrower reflected on PCCD; Otherwise, TILA 130(b) correction with LOE, refund or adjustment to ensure borrower does not pay more than amount disclosed, and proof of delivery required to cure to xxxxxx. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required.<br>If changes in fee amounts reflected on the PCCD result from events that occurred after closing not reasonably known to the creditor at time of disclosure of the final CD after exercising diligence in obtaining such information, SitusAMC will review and consider an LOE, attestation, and documentation supporting fee changes are based on post consummation events that could not reasonably be known to creditor and that the disclosed figures were correct at the time of consummation. |  | 11/07/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850202 | xxxxxx | 34895797 | xxxxxx | 11/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Any new debt must be included in determining the DTI ratio. |  | Reviewer Comment (2025-11-11): Received Credit Gap report dated xxxxxx . Exception cleared. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | A | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850202 | xxxxxx | 34914742 | xxxxxx | 11/07/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter is to xxxxxx vs. xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-05): Client elects to waive |  |  | 11/05/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | A | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850202 | xxxxxx | 34914796 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title supplement reflects the proposed insured lender is xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-11-12): Updated supplement provided | 11/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | A | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | 34742926 | xxxxxx | 10/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-23): Received Title Final. Exception cleared. | 10/23/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | 34742959 | xxxxxx | 10/21/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-23): Received Title Final. Exception cleared. | 10/23/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | 34743073 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-10-23): SitusAMC received signed copy of the xxxxxx xxxxxx CD, 3 business days prior to the consummation. | 10/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | TRID timing exception, no remediation available. C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | 34772624 | xxxxxx | 10/21/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per COC, loan product changed to 110 in which rural properties are not allowed per matrix (to note, on any other program purchase for secondary residence, rural is capped at 75% and loan closed at 80%). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-30): The Lender is requesting a waiver.<br>Reviewer Comment (2025-10-24): Investor to review exception request for rural properties |  |  | 11/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850233 | xxxxxx | 34778187 | xxxxxx | 10/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The authorized seller signor's, xxxxxx and xxxxxx, are missing. |  | Reviewer Comment (2025-11-10): Received updated Fraud Report. Fraud and OFAC search run on the sellers. Exception cleared. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | 34782334 | xxxxxx | 10/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE in file is > 1 year old. Policy in affect at time of closing is considered. Post-close policy not considered. |  | Reviewer Comment (2025-11-03): Updated RCE provided | 11/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | 34782335 | xxxxxx | 10/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-29): Received Title Final. Exception cleared. | 10/29/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | 34782339 | xxxxxx | 10/27/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-29): Received Title Final. Exception cleared. | 10/29/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | 34807512 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on xxxxxx disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Page 1 shows xxxxxx Insurance in "Other". |  | Reviewer Comment (2025-10-27): Client elects to waive |  |  | 10/27/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Good Faith Redisclosure C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | 34807650 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-10-27): Client elects to waive |  |  | 10/27/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850282 | xxxxxx | 34776850 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate was not issued within three business days of application date. |  | Reviewer Comment (2025-10-17): Provided and cleared. | 10/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850282 | xxxxxx | 34776852 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider Disclosure is missing. |  | Reviewer Comment (2025-10-17): Provided and cleared. | 10/17/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850296 | xxxxxx | 34956214 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $501.95 exceeds tolerance of $0.00. $501.95 over legal limit. Insufficient or no cure was provided to the borrower. (75215) | Condo docs fee added on xxxxxx without a valid change in circumstance. Cure was not provided at closing. |  | Reviewer Comment (2025-11-03): Cure docs provided.<br>Reviewer Comment (2025-10-29): SitusAMC received rebuttal and PCCD, however if cure was provided it should be updated on sec J where cure is provided along with LOE, copy of refund check and proof of mailing. |  | 11/03/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850297 | xxxxxx | 34735674 | xxxxxx | 10/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance policy reflects unit # is xxxxxx instead of xxxxxx as reflected on the note. |  | Reviewer Comment (2025-10-13): Provided | 10/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850305 | xxxxxx | 34735671 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws not provided in this loan file |  | Reviewer Comment (2025-10-14): Not required for review | 10/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850309 | xxxxxx | 34702246 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception in file for credit report being more than 30 days from application. Comp factor is high FICO 719. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by 40 points. | Reviewer Comment (2025-10-09): Client elects to regrade and waive based on the following comp factors: <br> The representative FICO score exceeds the guideline minimum by 40 points. |  |  | 10/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850312 | xxxxxx | 34735685 | xxxxxx | 10/14/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Lender exception in loan file to allow 70% LTV for rural property. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 4 Properties and has Completed 4 Properties. | Reviewer Comment (2025-10-14): Client elects to downgrade and waive with the following compensating factors: <br> The DSCR of 0.84% is greater than the minimum required DSCR of 0.75%<br> Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 4 Properties and has Completed 4 Properties. |  |  | 10/14/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850312 | xxxxxx | 34735686 | xxxxxx | 10/14/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 664 is less than Guideline representative FICO score of 680. | Lender exception in loan file for 664 FICO when minimum allowed for rural property is 680. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 4 Properties and has Completed 4 Properties. | Reviewer Comment (2025-10-14): Client elects to downgrade and waive with the following compensating factors: <br> The DSCR of 0.84% is greater than the minimum required DSCR of 0.75%<br> Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 4 Properties and has Completed 4 Properties. |  |  | 10/14/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850312 | xxxxxx | 34735687 | xxxxxx | 10/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception: borrower needs a 5% LTV exception and an exception for minimum FICO. Min FICO for rural properties is 680 and borrower FICO is 664. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 4 Properties and has Completed 4 Properties. | Reviewer Comment (2025-10-14): Client elects to downgrade and waive with the following compensating factors: <br> The DSCR of 0.84% is greater than the minimum required DSCR of 0.75%<br> Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. Currently holds 4 Properties and has Completed 4 Properties. |  |  | 10/14/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850313 | xxxxxx | 34896206 | xxxxxx | 10/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter, Third Party Verification | CPA letter or Third-party verification document for B1 is missing. |  | Reviewer Comment (2025-10-31): Provided and cleared.<br>Reviewer Comment (2025-10-29): Most recent doc received is for non-subject borrower/business (received same doc for different loan). Exception is for missing verification of xxxxxx, dated within 10 business days of note.<br>Reviewer Comment (2025-10-21): Per the guides it states Third Party VOE must be dated with 10 business days of closing. Not seeing any date on the internet look up. Typically, these will have a URL at bottom of page that has the URL and date <br>For self-employed borrowers, the existence of the business must be independently verified through a <br> disinterested third party within 10 business days of closing. The loan file should reflect the documentation <br> secured from these sources. Sources may include:<br> Ÿ CPA, Tax Attorney, IRS Enrolled Agent, xxxxxx, regulatory agency, or applicable licensing bureau<br> Ÿ Secretary of State listing reflecting current year registration<br> Ÿ Verification of a phone and address listing using the Internet | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850313 | xxxxxx | 34896207 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CPA letter or Third-party verification document for B1 is missing. |  | Reviewer Comment (2025-10-31): Provided and cleared. | 10/31/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850313 | xxxxxx | 34896208 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | CPA letter or Third-party verification document for B1 is missing. |  | Reviewer Comment (2025-10-31): Provided and cleared. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850313 | xxxxxx | 34896210 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing CPA letter or Third-party verification document for B1 . |  | Reviewer Comment (2025-10-31): Provided and cleared. | 10/31/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850313 | xxxxxx | 34896212 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA letter or Third-party verification document for B1 is missing. |  | Reviewer Comment (2025-10-31): Provided and cleared. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850315 | xxxxxx | 34735689 | xxxxxx | 10/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval in file for appraisal coming back with 2 ADU. Value cut to $1.75 million and no rent being used for the ADU. Compensating factors: low LTV and FICO 808 | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-14): Client elects to regrade and waive based on comp factors <br> Low LTV and FICO of 808. he appraiser confirms ADU's are permitted and built in a work like manner. Lender Exception in file due to 2 ADU's, Appraised value is 1.875 which is value that was used for the of 20% |  |  | 10/14/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850334 | xxxxxx | 34939786 | xxxxxx | 11/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | As per the guideline, a VOR is also required and is not provided in the file, however, VOR cannot be issued and a investor exception is provided in file granting the exception for VOR requirement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-12): Client elects to waive with verified compensation factors |  |  | 11/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850460 | xxxxxx | 34743421 | xxxxxx | 10/21/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  | Reviewer Comment (2025-10-30): Received VVOE dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-10-29): No new document are uploaded in clarity. Provide the document requested as per original condition. Exception remains. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850460 | xxxxxx | 34771775 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The inquiry letter notes a $200,000 line of credit was set up but never used. Documentation was not provided. Statement in files does not note this. |  | Reviewer Comment (2025-11-13): Received Loan Statement. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850509 | xxxxxx | 34844964 | xxxxxx | 11/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Seller, xxxxxx, is missing. |  | Reviewer Comment (2025-11-06): Received Fraud and OFAC search run on Seller, xxxxxx. Exception cleared. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | 34758656 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx, Address: xxxxxx Address: xxxxxx Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other | Provide evidence properties are free and clear. |  | Reviewer Comment (2025-10-31): Received proof of Free & Clear for all the above listed properties. Exception cleared. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | 34758673 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx Address: xxxxxx, Address: xxxxxx Other<br> Other<br> HOA Verification, Other<br> HOA Verification, Other<br> Other<br> HOA Verification, Other<br> Other | 1. Per Final 1003 and concurrent loans xxxxxx respectively, the above listed properties at xxxxxx has recently opened a new mortgage lien and the documents are missing in the file. Provide first payment letter or final CD to verify the PITIA payments.<br>2.The Final CD provided on concurrent loan xxxxxx respevtively indicates the following properties have a monthly HOA dues. Provide HOA certificate to verify the monthly HOA dues on the properties listed below:<br> (a) xxxxxx (b) xxxxxx & (c) xxxxxx |  | Reviewer Comment (2025-10-29): Received Final CD for properties (a) xxxxxx (b) xxxxxx & (c) xxxxxx to verify PITIA payments. Also received HOA confirmation document to verify HOA amount for all the above listed properties. Exception cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | 34758685 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx Insurance Verification, Other<br> Insurance Verification, Other<br> Other<br> Insurance Verification, Other<br> Insurance Verification, Other | Provide evidence properties are free and clear and evidence of HOI. |  | Reviewer Comment (2025-11-11): All the listed properties are Land. Received Tax Certificate for all the properties. Land Only does not require HOI. Exception cleared.<br>Reviewer Comment (2025-11-05): The exception has been cited for: 1) Provide evidence that the properties xxxxxx & xxxxxx are Free and Clear from mortgage payments. 2) Provide Hazard Insurance policies for all the properties: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx. The documents provided are the Property history report which was already provided earlier; however provide documents for point# 1 & 2. Exception remains. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | 34758687 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other | The above listed properties are reflecting on Final 1003 without any evidence of PITIA payments. Provide evidence of the PITIA payments to be added to the DTI and 12 months housing history for each or evidence free and clear or provide evidence borrower is not obligated to the liens. |  | Reviewer Comment (2025-11-11): Received Property Profile & tax Certificate for all the properties. Also all the listed properties are under construction & the only relative housing expense is a builders risk blanket policy covering all door is provided. Exception cleared.<br>Reviewer Comment (2025-11-07): Provide an LOE from borrower confirming the properties are owned free & clear and are vacant lots under construction and does not have any HOA dues. Exception remains. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | 34758705 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The provided mortgage statements and HOI policy in file for the above listed properties reflect the business name. Provide evidence the property and mortgage lien are owned by the business for exclusion. |  | Reviewer Comment (2025-11-05): Received & associated all the appropriate documents for property xxxxxx. Exception cleared. | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | 34773246 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing Entity documents not provided: Articles of Org, COGS dated within 120 days of closing, and Operating Agreement or Borrowing Cert (An LOE from the borrower is not allowed). |  | Reviewer Comment (2025-11-05): Received all the appropriate documents. Exception cleared. | 11/05/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | 34758732 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Insurance Verification, Other<br> Other<br> HOA Verification, Other<br> Insurance Verification, Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Insurance Verification, Other<br> Insurance Verification, Other | Provide evidence of free and clear. |  | Reviewer Comment (2025-10-31): Received proof of free & clear document all the above listed properties. Exception cleared. | 10/31/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | 34758754 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> HOA Verification, Other<br> Other<br> HOA Verification, Other | Final CD / Note / First Payment letter required for following REO properties: xxxxxx) Provide HOA statement for the following REO property: xxxxxx |  | Reviewer Comment (2025-11-06): Received Final CD, Note and First payment letter for the property at xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-29): Received Final CD for properties (a) xxxxxx (b) xxxxxx (c) xxxxxx & (d) xxxxxx to verify PITIA payments; however missing for property xxxxxx Also received HOA confirmation document to verify HOA amount for all the above listed properties. Please provide Final CD / Note / First Payment letter for property xxxxxx Exception remains. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | 34758775 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other | The above listed properties are reflecting on Final 1003 without any evidence of PITIA payments. Provide evidence of the PITIA payments to be added to the DTI and 12 months housing history for each or evidence free and clear or provide evidence borrower is not obligated to the liens. |  | Reviewer Comment (2025-11-11): Received documents to verify that the properties are free & clear. Exception cleared.<br>Reviewer Comment (2025-11-06): 1. Provide a LOE from borrower confirming the properties are owned free & clear and are vacant lots under construction and does no have any HOA dues. 2. Provide property history report to evidence the properties are owned free & clear and to evidence property taxes are still pending for xxxxxx & xxxxxx Exception remains. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | 34773430 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing Entity documents not provided: Articles of Org, COGS dated within 120 days of closing, and Operating Agreement or Borrowing Cert (An LOE from the borrower is not allowed). |  | Reviewer Comment (2025-11-18): Received Operating Agreement. Exception cleared.<br>Reviewer Comment (2025-11-13): Received EIN, COGS, Articles of Organization and LOX. Provide Borrowing Certificate since borrower does not have Operating Agreement. Exception remains. | 11/18/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | 34773432 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | 1) Provide property history report to verify following property is owned by the borrower's LLC: xxxxxx 2) Provide HOI policy for the following REO properties: xxxxxx |  | Reviewer Comment (2025-11-11): The tax bill reflects $0 improvements, confirming the properties are vacant land. Exception has been cleared.<br>Reviewer Comment (2025-11-06): 1. Received property history report for xxxxxx. The provided comments for the addresses xxxxxx & xxxxxx does not suffice the condition requirement. Kindly provide a LOE from borrower confirming the above address are raw/vacant land and does not contain any HOI policy/premiums. Exception remains. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34758823 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other | Provide evidence of free and clear |  | Reviewer Comment (2025-11-11): Received Property History Report for all the listed properties. Exception clearted.<br>Reviewer Comment (2025-11-06): Provide evidence of free and clear for remaining properties: (a) xxxxxx & (b) xxxxxx Exception remains. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34758829 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other | The above listed properties are reflecting on Final 1003 without any evidence of PITIA payments. Provide evidence of the PITIA payments to be added to the DTI and 12 months housing history for each or evidence free and clear or provide evidence borrower is not obligated to the liens. |  | Reviewer Comment (2025-11-19): Also all the listed properties are under construction & the only relative housing expense is a builders risk blanket policy covering all door is provided. Exception cleared.<br>Reviewer Comment (2025-11-17): Received LOE comfirming Properties are Vacant Lots & does not require HOA Docs. Kindly provide HOI documents for: xxxxxx, Address: xxxxxx Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx. Exception remains.<br>Reviewer Comment (2025-11-06): Provide a LOE from borrower confirming the properties are owned free & clear and are vacant lots under construction and does no have any HOA dues. Exception remains. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34758839 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other | 1. Provide property history report or other acceptable documents to verify the following properties are owned free & clear:<br> (a) xxxxxx, (b) xxxxxx. (c) xxxxxx (d) xxxxxx (e) xxxxxx & (f) xxxxxx.<br>2. The evidence of HOI policy is missing for the following properties. Provide an active HOI policy to determine the monthly Insurance premium.<br> (a) xxxxxx, (b) xxxxxx. (c) xxxxxx (d) xxxxxx & (f) xxxxxx |  | Reviewer Comment (2025-11-19): Received HOI for xxxxxx Exception cleared.<br>Reviewer Comment (2025-11-13): Received Tax Certificate for all the properties. All the listed properties are Land & it does not require HOI; however, we require HOI document for property xxxxxx. Exception remains.<br>Reviewer Comment (2025-11-06): Kindly provide Hazard Insurance Policy for a) xxxxxx, (b) xxxxxx (c) xxxxxx (d) xxxxxx (e) xxxxxx & (f) xxxxxx 2. The evidence of HOI policy is missing for the following properties. Provide an active HOI policy to determine the monthly Insurance premium. (a)xxxxxx, (b) xxxxxx (c) xxxxxx (d) xxxxxx (f) xxxxxx (g) xxxxxx (h) xxxxxx (i) xxxxxx (j) xxxxxx (k) xxxxxx & (l) xxxxxx Exception remains. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34758850 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence property belongs to the LLC. |  | Reviewer Comment (2025-11-06): Received & associated all the appropriate documents for property xxxxxx Exception cleared. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34758864 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | 1. Per Final 1003 and concurrent loans xxxxxx respectively, the above listed properties at xxxxxx has recently opened a new mortgage lien and the documents are missing in the file. Provide first payment letter or final CD to verify the PITIA payments.<br>2.The Final CD provided on concurrent loan xxxxxx respectively indicates the following properties have a monthly HOA dues. Provide HOA certificate to verify the monthly HOA dues on the properties listed below:<br> (a) xxxxxx (b) xxxxxx (c) xxxxxx (d) xxxxxx & (e) xxxxxx |  | Reviewer Comment (2025-11-25): Per investor and lender, loan has not closed. Utilizing payment at time of subject loan consummation in review.<br>Reviewer Comment (2025-11-25): EXCEPTION HISTORY - Exception Detail was updated on 11/25/2025 PRIOR Exception Detail: Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx<br> EXCEPTION HISTORY - Exception Explanation was updated on 11/25/2025 PRIOR Exception Explanation: Other<br> HOA Verification, Other<br> Other<br> HOA Verification, Other<br> Other<br> Other<br>Reviewer Comment (2025-11-20): The comments states that xxxxxx is not yet closed; however, the file is a concurrent file & a Final CD will be required to clear the exception. Exception remains.<br>Reviewer Comment (2025-11-17): Received HOA Docs. Provide Final CD for property located at xxxxxx Exception remains.<br>Reviewer Comment (2025-11-11): 1) Provide Final CD for property located at xxxxxx & (2) Provide HOA document to verify monthly HOA dues on the properties: (a) xxxxxx & (b) xxxxxx Exception remains. | 11/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34773515 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The DOT in file does not have the PUD rider checked. Per PUD rider and appraisal, property is in a PUD. Provide the corrected DOT to include PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  | Reviewer Comment (2025-11-25): Mailing label reflects package picked up xxxxxx and in transit to borrower.<br>Reviewer Comment (2025-11-24): Received document from FedEx is reflecting status as Scheduled Delivery Date. Provide updated document to reflect the document has been delivered to the borrower. Exception remains.<br>Reviewer Comment (2025-11-20): Received LOE & mailing document; however, the mailing label does not states that the document has been delivered. Provide evidence to verify that the documents has been delivered to the borrower.<br>Reviewer Comment (2025-11-19): As per earlier Comments on xxxxxx an LOE to borrower and evidence of delivery to the borrower are required anytime post-close as part of cure document. Exception remains.<br>Reviewer Comment (2025-11-17): Lender attestation is not acceptable. LOI is not required as the recorded and corrected DOT was provided. However, LOE to borrower and evidence of delivery to the borrower are required as part of the cure documents anytime documents are corrected post-close.<br>Reviewer Comment (2025-11-06): Received Security Instrument with PUD Rider checked. Also provide LOE to borrower, evidence of delivery to the borrower and lender's LOI. Exception remains. | 11/25/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34773517 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing Entity documents not provided: Articles of Org, EIN, COGS, dated within 120 days of closing, and Operating Agreement or Borrowing Cert (An LOE from the borrower is not allowed). |  | Reviewer Comment (2025-11-06): Received all the appropriate documents. Exception cleared. | 11/06/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | 34773539 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Third party verification of SE nor provided dated within 90 days of the Note. |  | Reviewer Comment (2025-11-13): Received Third party verification of Self Employment document. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850614 | xxxxxx | 34939792 | xxxxxx | 11/12/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-12): Client elects to waive |  |  | 11/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850614 | xxxxxx | 34940598 | xxxxxx | 11/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (7588) | Cure nor valid COC provided |  | Reviewer Comment (2025-11-14): SitusAMC received COC dated xxxxxx . | 11/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850662 | xxxxxx | 34913348 | xxxxxx | 11/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | If personal accounts are used for assets, large deposits defined as any single deposit that represents greater than 100% of the borrower's qualifying monthly income are to be documented. $444,210.36 into account xxxxxx. |  | Reviewer Comment (2025-11-10): Received Final Settlement Statement to verify the large deposit. Exception cleared. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850723 | xxxxxx | 34807537 | xxxxxx | 10/31/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.33983% or Final Disclosure APR of 8.38400% is equal to or greater than the threshold of APOR 6.31% + 1.5%, or 7.81000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-11-13): Delivery provided<br>Reviewer Comment (2025-11-04): The lender cert is not acceptable. This condition has to do with lack of appraisal delivery in file to borrower dated within 3 business days prior to closing. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850723 | xxxxxx | 34807538 | xxxxxx | 10/31/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-11-13): Delivery provided<br>Reviewer Comment (2025-11-04): The lender cert is not acceptable. This condition has to do with lack of appraisal delivery in file to borrower dated within 3 business days prior to closing. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850772 | xxxxxx | 34929020 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.04160% or Final Disclosure APR of 9.06500% is equal to or greater than the threshold of APOR 6.31% + 1.5%, or 7.81000%. Non-Compliant Higher Priced Mortgage Loan. | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-11-17): Delivery provided | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850772 | xxxxxx | 34929021 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-11-17): Delivery provided | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850799 | xxxxxx | 34928717 | xxxxxx | 11/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Subject property has xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors |  |  | 11/13/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850812 | xxxxxx | 34936194 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete. C. indicates borrower is borrowing money for this transaction, yet the amount of money is blank. | Borrower: xxxxxx | Provide the supporting documentation to verify debt and updated 1003. Additional conditions may apply. |  | Reviewer Comment (2025-11-19): Received corrected 1003. Exception cleared. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850813 | xxxxxx | 34828366 | xxxxxx | 11/03/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-11-05): E-consent provided<br>Reviewer Comment (2025-11-04): The document provided states the e-consent and all other consents are pending. | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850813 | xxxxxx | 34828664 | xxxxxx | 11/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Provide HOI policy for the property located at xxxxxx |  | Reviewer Comment (2025-11-04): Received Hazard Insurance policy for property located at xxxxxx Exception cleared. | 11/04/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850813 | xxxxxx | 34880131 | xxxxxx | 11/03/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The city on the flood insurance policy does not match the Note. |  | Reviewer Comment (2025-11-07): Received corrected flood insurance policy. Exception cleared. | 11/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850817 | xxxxxx | 34942277 | xxxxxx | 11/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file to use lease agreement + 12 months of payment proof instead of obtaining a xxxxxx form VOR which guidelines require. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors |  |  | 11/13/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | 34934789 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. Must include all participants. |  | Reviewer Comment (2025-11-20): Received fraud report for guarantor and OFAC search run on all participants. Exception cleared.<br>Reviewer Comment (2025-11-13): Received fraud report is run on the business. Please provide full fraud report for guarantor. Must include all participants. Exception remains. | 11/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | 34936590 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | Missing POA. The guarantor signed all of the other closing docs except the Guaranty Agreement which is signed by the settlement company as Power of Attorney. A Power of Attorney from the guarantor authorizing the settlement company to sign on his behalf was not provided. Must be transaction specific and and include an expiration date per guidelines. |  | Reviewer Comment (2025-11-20): Received Guarantee Agreement signed by borrower. Exception cleared.<br>Reviewer Comment (2025-11-13): Received POA is for correcting typographical errors and not for signing all final loan documents. Also, the POA does not contain an expiration date. It only states that it is irrevocable until the loan is satisfied. Exception remains. | 11/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | 34936766 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Borrowing LLC is owned by another LLC which is owned by 2 trusts. Cert of trust only provided for the xxxxxx. Pending receipt of Cert of Trust for xxxxxx. |  | Reviewer Comment (2025-11-17): Received Certificate of Trust for xxxxxx. Exception cleared. | 11/17/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | 34936959 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided |  | Rider in file is not executed. |  | Reviewer Comment (2025-11-13): Received PPP Rider to DOT. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | 34937007 | xxxxxx | 11/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is dated > 10 days prior to the Note date. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-30): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-11-13): Received VVOE is dated more than 10 days from Note date. Provide 10 days prior to the Note date. Exception remains. |  |  | 11/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | 34870652 | xxxxxx | 11/06/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide corrected final 1003 reflecting xxxxxx as Primary Home. |  | Reviewer Comment (2025-11-10): Updated 1003's provided | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | 34870665 | xxxxxx | 11/06/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-11-26): Insurance Verification document received and associated. Exception Cleared.<br>Reviewer Comment (2025-11-12): Received HOI policy is for the property located at xxxxxx. However, the HOI policy required is for xxxxxx. Exception remains.<br>Reviewer Comment (2025-11-11): Received LOX for no HOA. However, the document requested is for HOI policy for xxxxxx. Exception remains. | 11/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | 34870670 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,594.70 exceeds tolerance of $-6,232.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,594.70 exceeds tolerance of $-6,232.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-11-11): SitusAMC received rate lock dated xxxxxx  | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | 34914056 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial 1003 reflects primary residence and intent to occupy. |  | Reviewer Comment (2025-11-05): Client elects to waive |  |  | 11/05/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850865 | xxxxxx | 34895577 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-12-03): SitusAMC received CD dated xxxxxx  | 12/03/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850865 | xxxxxx | 34895598 | xxxxxx | 11/07/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide proof of free and clear for the REO property (xxxxxx). Fraud report reflects lien taken out for xxxxxx not on credit. |  | Reviewer Comment (2025-11-21): Received Property History Report which reflects release on lien. Exception cleared. | 11/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | 34926738 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2025-11-25): Per investor, signed escrow instructions used in lieu of purchase contract. | 11/25/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | 34926739 | xxxxxx | 11/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-11-13): Received Final Title Policy. Exception cleared. | 11/13/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | 34926764 | xxxxxx | 11/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-13): Received Final Title Policy. Exception cleared. | 11/13/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | 34943361 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Certificate was not provided. |  | Reviewer Comment (2025-11-25): Received Business Purpose Certificate. Exception cleared. | 11/25/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | 34943530 | xxxxxx | 11/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other | Provide evidence properties are free and clear. |  | Reviewer Comment (2025-11-25): Received reconveyance documents and property history report reflecting free and clear.<br>Reviewer Comment (2025-11-13): Received Final Title Policy. However the document requested is for evidence to verify properties are free and clear. Exception remains. | 11/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850964 | xxxxxx | 34916793 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2025-11-07): Client elects to waive |  |  | 11/07/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850964 | xxxxxx | 34935484 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-11-13): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850982 | xxxxxx | 34928121 | xxxxxx | 11/11/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not provided. |  | Reviewer Comment (2025-11-13): Received Final Title Policy. Exception cleared. | 11/13/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850982 | xxxxxx | 34928124 | xxxxxx | 11/11/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Provide final title policy. |  | Reviewer Comment (2025-11-13): Received Final Title Policy. Exception cleared. | 11/13/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851003 | xxxxxx | 34939782 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Authorized Seller signor, xxxxxx, is missing. |  | Reviewer Comment (2025-11-20): Received Fraud and OFAC search run on Authorized Seller signor, xxxxxx. Exception cleared. | 11/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851042 | xxxxxx | 34896217 | xxxxxx | 10/24/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $344,508.96 is less than Cash From Borrower $348,932.60. | Qualifying Assets for Closing of $344,508.96 is less than Cash From Borrower $348,932.60.EMD unsourced. Source of deposit not found in file |  | Reviewer Comment (2025-10-29): EMD source provided and cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851044 | xxxxxx | 34812155 | xxxxxx | 10/22/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-10-22): Provided and cleared. | 10/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851075 | xxxxxx | 34913414 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor's for the seller, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-11-11): Received Fraud and OFAC search run on signor's for the seller, xxxxxx and xxxxxx. Exception cleared. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851075 | xxxxxx | 34916183 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-05): Client elects to waive |  |  | 11/05/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | 34936322 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-11): Client elects to waive |  |  | 11/11/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | 34954085 | xxxxxx | 11/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum 6 months reserves for an escrow waiver. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-13): Condition cannot be cleared. The investor provided us with the 11.2025 guidelines to review to. If a re-underwrite is required, this will need to come from the investor. |  |  | 11/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | 34954137 | xxxxxx | 11/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx LOE from Borrower - Nature of business, P&L Statement | 1) Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. Application date is xxxxxx . P&L should be through 9/2025. 2) Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. CPA provided this information vs. borrower. Guidelines require borrower LOE. |  | Reviewer Comment (2025-11-21): Received LOE from Borrower - Nature of business and P&L Statement. Exception cleared.<br>Reviewer Comment (2025-11-13): As per guidelines, the LOE is required from Borrower. Therefore, provide borrower's letter to explain the details of business nature. Exception remains. Also the updated P&L was not provided. | 11/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | 34954210 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 1) Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. Application date is xxxxxx . P&L should be through 9/2025. 2) Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. CPA provided this information vs. borrower. Guidelines require borrower LOE. |  | Reviewer Comment (2025-11-21): Received LOE from Borrower - Nature of business and P&L Statement. Exception cleared.<br>Reviewer Comment (2025-11-14): As per guidelines, the LOE is required from Borrower. Therefore, provide borrower's letter to explain the details of business nature. Exception remains. Also the updated P&L was not provided. | 11/21/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | 34954211 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | 1) Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. Application date is xxxxxx . P&L should be through 9/2025. 2) Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. CPA provided this information vs. borrower. Guidelines require borrower LOE. |  | Reviewer Comment (2025-11-21): Received LOE from Borrower - Nature of business and P&L Statement. Exception cleared.<br>Reviewer Comment (2025-11-14): As per guidelines, the LOE is required from Borrower. Therefore, provide borrower's letter to explain the details of business nature. Exception remains. Also the updated P&L was not provided. | 11/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851330 | xxxxxx | 34953387 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-11): Client elects to waive |  |  | 11/11/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851354 | xxxxxx | 34925668 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, sellers, xxxxxx, xxxxxx, and xxxxxx were not included in the report |  | Reviewer Comment (2025-11-13): Received GSA/HUD/LDP/OFAC search for sellers. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851354 | xxxxxx | 34937606 | xxxxxx | 11/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Provide the blanket policy for the xxxxxx determine if walls in coverage is provided to determine if an HO6 needed. |  | Reviewer Comment (2025-11-17): Evidence provided that the HOA dues include unit owned property insurance and property taxes. | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851449 | xxxxxx | 34934143 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-07): Client elects to waive |  |  | 11/07/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851489 | xxxxxx | 34980619 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. $195.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | COC only states 1004D provided and appraisal was received xxxxxx Fee was not disclosed until xxxxxx which is > 3 days from discovery. |  | Reviewer Comment (2025-11-25): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 11/25/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851519 | xxxxxx | 34956902 | xxxxxx | 11/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx xxxxxx, a xxxxxx is missing. |  | Reviewer Comment (2025-11-17): Received Fraud and OFAC search run on Seller xxxxxx, signing on behalf of xxxxxx xxxxxx. Exception cleared.<br>Reviewer Comment (2025-11-12): Received updated Fraud report. However, fraud and OFAC search is not run on the seller, xxxxxx. Exception remains. | 11/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851596 | xxxxxx | 34896221 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. Please provide evidence of date borrower received CD dated xxxxxx . |  | Reviewer Comment (2025-10-29): Signed ICD provided and cleared. | 10/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851598 | xxxxxx | 34896223 | xxxxxx | 10/29/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-10-30): Provided and cleared. | 10/30/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851612 | xxxxxx | 34979041 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 2 mortgages on title yet only 1 paid through closing. |  | Reviewer Comment (2025-11-19): Email from title and MUTC provided omitting additional line. | 11/19/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851638 | xxxxxx | 34937404 | xxxxxx | 11/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Paystub | YTD paystub required when a SE borrower W2's themself (B2). |  | Reviewer Comment (2025-11-20): Received SOS to verify that business is no longer active. Exception cleared.<br>Reviewer Comment (2025-11-14): Regardless if W2 income was utilized or not, the guidelines require a YTD paystub when the borrower W2's themself. If the borrower no longer receives paystubs as of 2025, then this will need to be provided by a third party verifying this. | 11/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851667 | xxxxxx | 34962683 | xxxxxx | 11/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor Exception - Loan processed without the VOR document. The borrower is currently renting; however, the homeowner doesn't want to provide the VOR form. Rent ledger provided. The borrower previously lived in their own property located on xxxxxx and sold the property and moved into the property on xxxxxx. Guidelines require Verification of Rent on a xxxxxx acceptable form. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-12): Client elects to waive with verified compensation factors |  |  | 11/12/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851667 | xxxxxx | 34963654 | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CD reflects a disbursement date prior to consummation. If the CD is incorrect, provide the final stamped settlement statement to support actual disbursement date. |  | Reviewer Comment (2025-11-14): Final stamped settlement statement provided updating disbursement date. | 11/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851717 | xxxxxx | 34989721 | xxxxxx | 11/14/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Lender tradeline exception request. Borrower has 3 valid scores but lacks 2 tradelines rated for 24 months in the last 12 months. Investor must approve. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-01): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-11-19): All exceptions must come from the investor. Assigned to investor |  |  | 12/01/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851717 | xxxxxx | 34990763 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $391,996.23 is over disclosed by $155.00 compared to the calculated Amount Financed of $391,841.23 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Lender did not include the $155.00 Appraisal Management Fee. |  | Reviewer Comment (2025-11-20): SitusAMC received lender attestation to confirm AMC was primarily for verifying & confirming appraisal info & 4c7 services excluded | 11/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851717 | xxxxxx | 34990764 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $615,128.53 is under disclosed by $155.00 compared to the calculated Finance Charge of $615,283.53 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Lender did not include the $155.00 Appraisal Management Fee. |  | Reviewer Comment (2025-11-20): SitusAMC received lender attestation to confirm AMC was primarily for verifying & confirming appraisal info & 4c7 services excluded | 11/20/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851777 | xxxxxx | 34887591 | xxxxxx | 11/06/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | AVM in file is invalid. No FSD score provided. |  | Reviewer Comment (2025-11-18): Received CDA. Exception cleared. | 11/18/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851795 | xxxxxx | 34967003 | xxxxxx | 11/13/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Missing the appraisal dated prior to closing. Appraisal provided has a completion date of xxxxxx which is post-close. |  | Reviewer Comment (2025-11-18): Received Appraisal dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-11-17): Per guidelines, an appraisal dated prior to closing is required. Exception remains. | 11/18/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851839 | xxxxxx | 35005349 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-18): Client elects to waive |  |  | 11/18/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851839 | xxxxxx | 35005961 | xxxxxx | 11/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence property is free and clear. Fraud report reflects a lien taken out in xxxxxx for xxxxxx not reporting on credit report. An LOE from the borrower is not acceptable. |  | Reviewer Comment (2025-11-25): Received Property History Report. Exception cleared.<br>Reviewer Comment (2025-11-21): Fraud Report reflects a lien of amount xxxxxx which is not release. Provide the evidence the mortgage lien has been released. Exception remains. | 11/25/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851842 | xxxxxx | 34977765 | xxxxxx | 11/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-11-21): Received Hazard Insurance and HOA document. Exception cleared. | 11/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851844 | xxxxxx | 34976964 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-18): Client elects to waive |  |  | 11/18/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851844 | xxxxxx | 35004481 | xxxxxx | 11/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum reserves of 6 months for escrow waiver. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-26): Waived with compensating factors per investor direction. |  |  | 11/26/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851844 | xxxxxx | 35006856 | xxxxxx | 11/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Reflects xxxxxx. Should just reflect xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-26): Waived with compensating factors per investor direction. |  |  | 11/26/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851845 | xxxxxx | 34916380 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor's for the seller, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-11-11): Received Fraud and OFAC search run on signor's for the seller, xxxxxx and xxxxxx. Exception cleared. | 11/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | 34915551 | xxxxxx | 11/10/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $56,096.87 is less than Cash From Borrower $108,944.58. | The Documented qualifying Assets for Closing of $56,096.87 is less than Cash From Borrower $108,944.58. |  | Reviewer Comment (2025-11-13): Received additional bank statement. Exception cleared. | 11/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | 34915595 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock document is missing. |  | Reviewer Comment (2025-11-07): Client elects to waive |  |  | 11/07/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | 34915596 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | The file is missing Mortrgage Payoff Statement. |  | Reviewer Comment (2025-11-14): Payoff provided | 11/14/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | 34915598 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $875.00 exceeds tolerance of $0.00. $875.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fees on the Loan Estimate dated xxxxxx was $0.00; however, the final Closing Disclosure reflects $875.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-11-24): SitusAMC received updated valid COC dated xxxxxx .<br>Reviewer Comment (2025-11-18): SitusAMC received rebuttal and COC, however there is no change in interest rate as compared to previous LE. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-11-14): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. | 11/24/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | 34927774 | xxxxxx | 11/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | For escrow waivers, guidelines require LTV less than or equal to 80%, FICO greater than or equal to 720, and minimum 6 months reserves. Borrower only meets the LTV requirement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-13): Condition cannot be cleared. The investor provided us with the 11.2025 guidelines to review to. If a re-underwrite is required, this will need to come from the investor. |  |  | 11/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851868 | xxxxxx | 34805858 | xxxxxx | 10/31/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Borrower, xxxxxx is living rent-free on property located at xxxxxx Provide a Letter of explanation (LOE) confirming that there xxxxxx s no monthly obligation. |  | Reviewer Comment (2025-11-18): Received LOX to verify borrower is living rent-free. Exception cleared.<br>Reviewer Comment (2025-11-05): Received Property History Report can be used as supporting documentation. However, we still request Credit LOE confirming that there xxxxxx s no monthly obligation.. Exception remains. | 11/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851868 | xxxxxx | 34805986 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  | Reviewer Comment (2025-11-05): Received Fraud and OFAC search run on Seller, xxxxxx. Exception cleared. | 11/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851875 | xxxxxx | 34894379 | xxxxxx | 11/05/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum FICO of 720 nor minimum reserve requirement of 6 months for an escrow waiver (normal program requirements were met). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-14): As previously noted, the lender provided the xxxxxx guidelines to review loan to. If the loan needs to be re-underwritten to different guidelines, this must come from the investor.<br>Reviewer Comment (2025-11-12): The condition cannot be waived. The loan was reviewed to the lender's 11.2025 guidelines which have these requirements for an escrow waiver for non-HPML loans. It does not exempt any program. |  |  | 11/18/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851876 | xxxxxx | 34915463 | xxxxxx | 11/07/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $8,500.00 is less than Cash From Borrower $17,367.98. | Additional assets not provided. There is a PC-CD in file which reflects a reduction in cash to close, however no final stamped closing statement to support nor evidence of the paid POCB fees for $xxxxxx for property taxes. |  | Reviewer Comment (2025-11-10): Final closing statement to match PC-CD along with paid tax cert for POCB. | 11/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851876 | xxxxxx | 34919979 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-06): Client elects to waive |  |  | 11/06/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851891 | xxxxxx | 34967133 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,089.50 exceeds tolerance of $5,089.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Lender cure of $0.50 is reflecting on Final CD. |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851891 | xxxxxx | 34996695 | xxxxxx | 11/17/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum FICO of 720 for an escrow waiver. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-19): The condition cannot be waived. The investor provided us with the lender's 11.2025 guidelines to review to which has this requirement for an escrow waiver on Non-HPML loans. |  |  | 11/19/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | 34945066 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - P&L Statement Only | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/P&L Statement Only) | Preparer to provide a signed document with all of the following:<br> ▪ Confirmation business has been in existence for a minimum of two (2) years<br> ▪ Indicate borrower's ownership percentage of the business<br> ▪ Confirmation the preparer completed or filed the most recent business tax return<br> ▫ If the CPA, EA, xxxxxx, or Tax Attorney has not completed or filed the borrower's most recent business tax return, the following must be provided:<br> a. Two (2) months business bank statements for the most recent two (2) months reflected on the P&L statement.<br> i. Deposits must support 80% of the monthly average sales/revenue reported on the P&L. If most recent 2 months business bank statements do not support 80% of the monthly average sales/revenue, continuous bank statements may be added to the analysis until the tolerance is met.<br> o Current/active license or certification for the preparer:<br> ▪ State CPA license number as verified by license or screenshot from state licensing authority<br> ▪ IRS Enrolled Agent (EA) certification from IRS (e.g., screenshot of IRS web site)<br> ▪ xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site) |  | Reviewer Comment (2025-11-18): xxxxxx prepare letter verifying prepared taxes and P&L for past 2 years and xxxxxx verification of license provided. | 11/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | 34945067 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing income documents and insufficient reserves |  | Reviewer Comment (2025-11-18): xxxxxx prepare letter verifying prepared taxes and P&L for past 2 years and xxxxxx verification of license provided. | 11/18/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | 34945078 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing income documents and insufficient reserves |  | Reviewer Comment (2025-11-18): xxxxxx prepare letter verifying prepared taxes and P&L for past 2 years and xxxxxx verification of license provided. | 11/18/2025 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | 34945147 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents and insufficient reserves |  | Reviewer Comment (2025-11-18): Additional gift letter provided for gift funds for $15K for EMD. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | 34977034 | xxxxxx | 11/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.56 is less than Guideline PITIA months reserves of 3.00. | 1) EMD for $15,000, wire reflects came from donor - Additional gift letter not provided either and post close CD reflects gift of $26,352.92, on gift letter and $30,000 in EMD. 2) Funds to close for $16,000 came from trust in which we have no evidence of access to funds. 3) All wire for funds to close are dated post statements therefore backed out as to not double count. |  | Reviewer Comment (2025-11-18): Additional gift letter provided for gift funds for $15K for EMD. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | 35010853 | xxxxxx | 11/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-11-18): Additional gift letter provided for gift funds for $15K for EMD. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852164 | xxxxxx | 34956223 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $275.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. (7588) |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852166 | xxxxxx | 34956227 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-11-06): After further review, exception cleared. Incomplete CD omitted from testing. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852166 | xxxxxx | 34956228 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial xxxxxx) | Issued date not provided on initial Closing Disclosure. |  | Reviewer Comment (2025-11-06): After further review, exception cleared. Incomplete CD omitted from testing. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852166 | xxxxxx | 34956229 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Issued date not provided on initial Closing Disclosure. |  | Reviewer Comment (2025-11-06): After further review, exception cleared. Incomplete CD omitted from testing. | 11/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852172 | xxxxxx | 34956236 | xxxxxx | 11/06/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-11-07): Provided and cleared. | 11/07/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852172 | xxxxxx | 34956237 | xxxxxx | 11/06/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing signed initial 1003. |  | Reviewer Comment (2025-11-07): Okay per client |  |  | 11/07/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852396 | xxxxxx | 34964253 | xxxxxx | 11/12/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | For escrow waiver, guidelines require FICO less than or equal to 720. Subject loan has 685 FICO. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-13): Condition cannot be waived. The investor provided us with the 11.2025 guidelines to review to. If a re-underwrite is required, this will need to come from the investor. |  |  | 11/18/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852400 | xxxxxx | 34960044 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-17): Client elects to waive |  |  | 11/17/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852404 | xxxxxx | 34943650 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-11-10): Client elects to waive |  |  | 11/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852412 | xxxxxx | 35029683 | xxxxxx | 11/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-26): Received updated fraud report document and verified the authorized signor for the seller. Exception Cleared. | 11/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852732 | xxxxxx | 34978152 | xxxxxx | 11/10/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-11-10): Okay per client |  |  | 11/10/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852923 | xxxxxx | 35027642 | xxxxxx | 11/21/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-20): Client elects to waive |  |  | 11/20/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852923 | xxxxxx | 35029186 | xxxxxx | 11/21/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum 6 months reserves required to waive escrow's. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-30): Waived with compensating factors per investor direction. |  |  | 11/30/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852932 | xxxxxx | 35027883 | xxxxxx | 11/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx and another (unable to determine name), were not included in the report. |  | Reviewer Comment (2025-11-26): Received updated fraud report document and verified the authorized signor for the seller. Exception Cleared. | 11/26/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852932 | xxxxxx | 35029473 | xxxxxx | 11/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert. |  | Reviewer Comment (2025-11-26): Business Purpose Certificate document received and associated. Exception Cleared. | 11/26/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852949 | xxxxxx | 35069257 | xxxxxx | 11/25/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-25): Waived per investor overlay |  |  | 11/25/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC RATI** **NG AGENCY GRADES**

![](tm2534371d1_ex99-4img01.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Kroll** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 833590 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838307 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | D B | D | C D | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840209 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840454 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841015 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841669 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841816 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841906 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842307 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842341 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842434 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842474 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842513 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842538 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842551 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842575 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 842577 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842701 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842793 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842794 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842915 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842960 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842961 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843035 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843041 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843140 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843146 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843189 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843220 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843265 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843315 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843411 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843613 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843642 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843724 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843742 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843775 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843795 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843812 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843950 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843980 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843999 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844010 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844022 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844085 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844102 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844106 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844167 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844177 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844219 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844221 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844232 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844246 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844271 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844292 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844302 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844303 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844337 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844420 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844443 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844445 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844446 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844449 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 844484 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844508 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 844522 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844529 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844557 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844611 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844631 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844649 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844669 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A B C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 844685 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844808 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844826 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844827 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844836 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844857 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844901 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844915 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844943 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844967 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844969 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844985 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844999 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845051 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845144 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845157 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845176 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845184 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 845185 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 845199 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845223 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A B D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 845228 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845277 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845285 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845295 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845404 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845416 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845419 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845457 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845515 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845541 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 845578 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845716 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845718 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 845752 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 845778 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845784 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845858 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 845862 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845867 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 845973 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846006 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846099 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846113 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846142 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846146 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846162 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846164 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846189 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | D | A | A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 846241 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846257 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 846274 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846292 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846297 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 846308 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846341 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846436 | xxxxxx | xxxxxx | xxxxxx C | C | B | C | B | C | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 846449 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846459 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846475 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846481 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846484 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846501 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846520 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846523 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846554 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846556 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 846561 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846670 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846684 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846715 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | N/A | N/A | N/A D C | N/A D | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 846777 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846798 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846840 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 846859 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846865 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846916 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846920 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846922 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846948 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846965 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846967 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846971 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846985 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847002 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847003 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847005 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847008 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847030 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847036 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847050 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C | A | A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 847061 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847085 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847104 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847107 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847110 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847111 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847116 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847118 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847121 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847124 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847126 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847132 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847185 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847210 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847236 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847302 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847309 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847327 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847335 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847359 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847361 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847376 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847381 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847382 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847385 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847388 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847399 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847411 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847453 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847467 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847482 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847505 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847506 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847526 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847543 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847582 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847585 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847692 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847712 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 847744 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 847810 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847818 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847821 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847822 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847823 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847826 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847829 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847830 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847852 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847862 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 847876 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847884 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847887 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847894 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847906 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847933 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847953 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 847957 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847975 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847988 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848002 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848003 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848016 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848031 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848044 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848054 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 848065 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848130 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 848132 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848135 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848233 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848249 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848289 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 848347 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | A | A | N/A B | N/A B | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 848412 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848420 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848455 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848481 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848491 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848498 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848523 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848524 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848542 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848573 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848575 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848576 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848580 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848582 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848583 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848585 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848587 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848589 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848592 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848594 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848606 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848613 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848703 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848736 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 848758 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 848776 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848792 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848822 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848860 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848862 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848868 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848874 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848891 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848892 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848919 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848927 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848985 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848997 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849003 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849013 | xxxxxx | xxxxxx | xxxxxx D | D | B | B | B | B | B | A | A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849027 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849035 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849051 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849071 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849080 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849110 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849150 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849153 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849154 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849155 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849156 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849158 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849159 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849161 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849162 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849163 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849164 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849165 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849166 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849168 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849169 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849181 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | B | B | B C | C D A | A | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849239 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849322 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849350 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849389 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849409 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 849412 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849417 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849423 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 849436 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849447 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849448 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849464 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 849481 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 849489 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 849510 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849529 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849549 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849555 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849561 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 849598 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849673 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849690 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849713 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 849718 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849808 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849845 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850025 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850032 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850066 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850085 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850122 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 850130 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850132 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850170 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850172 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850175 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850183 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850189 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850190 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850192 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850195 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850198 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850202 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | B | B | B C | C A | A | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850233 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850275 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850277 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850280 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850282 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850283 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850285 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850292 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850294 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850296 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850297 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850298 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850299 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850300 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850301 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850302 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850303 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850305 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850307 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850309 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850312 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850313 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850315 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850316 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850317 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850318 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850323 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850329 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850334 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850460 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850509 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850542 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850594 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850614 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850662 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850672 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850723 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850746 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850772 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850799 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850812 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850813 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850817 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850865 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850964 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 850969 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850982 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850989 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851003 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851042 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851044 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851075 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851084 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851085 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851330 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851354 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851449 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851465 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851489 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851519 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851593 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851594 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851596 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851598 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851612 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851627 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851638 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851667 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 851717 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 851777 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851795 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851839 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851842 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851844 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851845 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851868 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851875 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 851876 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851891 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852152 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852159 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852161 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852164 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852166 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852169 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852172 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852249 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852270 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | A | A | N/A | N/A | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 852276 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852393 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852396 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 852400 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852404 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852412 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852413 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852414 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852732 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852923 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852932 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852949 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852950 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853272 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853856 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |

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## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM** **-ATR DILIGENCE REPORT**

![](tm2534371d1_ex99-5img01.jpg)

**QM ATR Diligence Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 833590 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838307 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840209 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840454 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841015 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841669 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841816 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841906 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842307 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842341 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842434 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842474 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842513 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842538 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842551 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842575 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842577 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842701 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842793 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842794 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842915 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842960 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842961 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843035 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843041 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843140 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843146 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843189 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843220 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843265 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843315 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843411 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843613 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843642 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843724 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843742 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843775 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843795 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843812 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843950 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843980 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843999 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844010 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844022 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844085 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844102 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844106 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844167 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844177 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844219 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844221 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844232 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844246 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844271 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844292 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844302 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844303 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844337 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844420 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844443 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844445 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844446 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844449 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844484 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844508 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844522 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844529 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844557 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844611 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844631 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844649 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844669 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844685 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844808 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844826 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844827 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844836 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844857 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844901 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844915 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844943 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844967 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844969 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844985 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844999 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845051 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 845144 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845157 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845176 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845184 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845199 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845223 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845228 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845277 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845285 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845295 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845404 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845416 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845419 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845457 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845515 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845541 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845578 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845716 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845718 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845752 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845778 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845784 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845858 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845862 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845867 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845973 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846006 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846099 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846113 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846142 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846146 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846162 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846164 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846189 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846226 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846241 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846257 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 846274 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846292 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846297 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846308 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846341 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846436 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846449 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846459 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846475 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846481 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846484 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846501 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846520 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846523 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846554 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846556 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846561 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846670 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846684 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846715 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846777 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846798 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846840 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846859 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846865 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846916 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846920 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846922 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846948 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846965 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846967 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846971 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846985 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847002 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847003 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847005 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847008 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847030 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847036 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847050 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847061 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847085 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847104 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847107 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847110 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847111 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847116 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847118 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847121 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847124 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847126 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847132 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847210 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847236 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847302 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847309 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847327 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847335 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847359 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847361 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847376 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847381 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847382 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847385 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847388 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847399 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847411 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847453 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847467 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847482 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847505 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847506 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847526 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847543 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847582 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847585 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847685 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847692 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847712 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847744 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847810 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847818 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847821 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847822 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847823 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847826 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847829 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847830 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847852 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847862 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847876 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847884 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847887 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847894 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847906 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847933 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847953 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847957 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847975 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847988 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848002 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848003 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848016 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848031 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848044 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848054 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848065 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848130 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848132 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848135 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848233 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848249 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848289 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848347 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848356 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848412 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 848420 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848455 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848481 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848491 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848498 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848523 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848524 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848542 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848573 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848575 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848576 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848580 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848582 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848583 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848585 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848587 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848589 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848592 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848594 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848606 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848613 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848703 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848736 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848752 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848758 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848772 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848773 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848776 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848792 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848822 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848840 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848860 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848862 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848868 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848874 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848891 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848892 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848919 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848927 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848985 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848997 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849003 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849013 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849027 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849035 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849051 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849053 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849071 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849080 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849110 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849150 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849153 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849154 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849155 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849156 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849158 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849159 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849161 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849162 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849163 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849164 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849165 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849166 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849168 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849169 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849181 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849183 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849220 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849239 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849301 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849322 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849350 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849389 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849409 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849412 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849417 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849421 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849423 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849436 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849447 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849448 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849464 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849481 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849489 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849510 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849529 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849530 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849549 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849555 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849561 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849598 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849673 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849690 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849713 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849718 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849808 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849845 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850025 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850031 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850032 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850066 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850085 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850122 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850127 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850130 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850132 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850170 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850172 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850175 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850183 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850189 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850190 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850192 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850195 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850198 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850202 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850212 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850233 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850239 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850275 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850277 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850280 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850282 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850283 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850285 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850292 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850294 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850296 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850297 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850298 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850299 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850300 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850301 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850302 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850303 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850305 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850307 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850309 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850312 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850313 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850315 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850316 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850317 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850318 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850323 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850329 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 850334 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850460 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850509 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 850542 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 850550 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850552 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850553 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850594 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850614 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850662 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850672 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850723 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850746 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850772 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850799 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850812 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850813 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850817 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850819 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850855 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850865 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 850883 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850964 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850969 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850982 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850989 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851003 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851042 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 851044 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851075 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851084 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851085 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851305 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851330 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851354 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851449 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851465 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851489 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 851519 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851593 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851594 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851596 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851598 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851612 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851627 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851638 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851667 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851717 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851777 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851795 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851839 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851842 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851844 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851845 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851847 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851868 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851875 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851876 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851891 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852129 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852152 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852159 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852161 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852164 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852166 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852169 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852172 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852249 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852270 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852276 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852393 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852396 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852400 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 852404 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852412 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852413 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852414 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852732 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852923 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852932 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852949 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852950 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853272 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853856 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC VALUATION** **REPORT**

![](tm2534371d1_ex99-6img01.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **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** | **Scope** |
| xxxxxx | 833590 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2023 | 07/18/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 840209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 840454 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 841015 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.380% | 07/17/2025 | 07/17/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 | Property Focused |
| xxxxxx | 841669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841816 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841906 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Moderate | xxxxxx | xxxxxx | 12.090% | xxxxxx | 0.08 | 08/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842307 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 07/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 | Property Focused |
| xxxxxx | 842434 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/13/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842538 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 842551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 842575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 842577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.300% | 07/31/2025 | 07/31/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 | Property Focused |
| xxxxxx | 842701 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842793 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 | Property Focused |
| xxxxxx | 842794 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 08/08/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842915 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Moderate | xxxxxx | xxxxxx | 29.650% | xxxxxx | 0.11 | 08/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 842960 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 842961 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843035 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 | Property Focused |
| xxxxxx | 843041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 843140 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/20/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 | Mortgagor Focused |
| xxxxxx | 843146 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.230% | 07/31/2025 | 06/27/2025 | Appraisal | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/07/2025 | 07/15/2025 |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 | Property Focused |
| xxxxxx | 843220 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 04/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 04/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 843315 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.370% | 06/10/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 843411 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 843642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 843724 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843742 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 | Property Focused |
| xxxxxx | 843775 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 02/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.030% | 08/04/2025 | 02/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 | Property Focused |
| xxxxxx | 843795 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/06/2025 | 07/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 07/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843812 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843950 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/27/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 844010 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 07/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 844022 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 844085 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  | 0.000% | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  | Property Focused |
| xxxxxx | 844102 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/27/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 844106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 844167 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 | Property Focused |
| xxxxxx | 844177 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 844219 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844221 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/26/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844246 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 844271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.910% | 07/30/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844292 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 844302 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/27/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844303 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/27/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844337 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 | Property Focused |
| xxxxxx | 844420 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844443 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844445 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 844446 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 844449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 844484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Property Focused |
| xxxxxx | 844508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 844522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 844529 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844557 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/17/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.090% | 08/13/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844611 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  | xxxxxx | xxxxxx | -5.120% | xxxxxx | 0.05 | 09/22/2025 |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.120% | xxxxxx | 09/22/2025 | 09/22/2025 |  |  |  |  |  | Yes | 2.50 | 2.60 | Property Focused |
| xxxxxx | 844649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/21/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 844669 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 0.390% | xxxxxx | 08/07/2025 | 08/07/2025 | AVM | xxxxxx |  |  | 0.03 | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/27/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 844808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 844826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 844827 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.300% | 08/04/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 | Property Focused |
| xxxxxx | 844836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 | Property Focused |
| xxxxxx | 844857 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844901 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 844915 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844943 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 844967 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 14.820% | xxxxxx | 09/18/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 14.820% | 07/23/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844969 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/04/2025 | 01/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 01/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844999 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845051 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845144 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845157 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 845184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 845185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 845199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 845223 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/12/2025 | AVM | xxxxxx |  |  | 0.04 | xxxxxx | xxxxxx | -1.940% | 09/03/2025 | 09/03/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845277 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 5.000% | xxxxxx | 07/09/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/14/2025 | 07/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 | Property Focused |
| xxxxxx | 845285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.120% | 10/03/2025 | 10/03/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 | Mortgagor Focused |
| xxxxxx | 845295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 845404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/20/2025 | AVM | xxxxxx | 0.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 845419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Property Focused |
| xxxxxx | 845457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.600% | 08/22/2025 | 08/13/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 845515 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 | Property Focused |
| xxxxxx | 845541 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 845716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845718 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.810% | 11/05/2025 | 11/05/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.810% | xxxxxx | 11/05/2025 | 11/05/2025 |  |  |  |  |  | No | 3.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 845752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Property Focused |
| xxxxxx | 845778 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845784 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 08/04/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.430% | 08/08/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845867 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 845973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 846006 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.210% | 07/26/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846099 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846113 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 846142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 846146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/04/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 | Property Focused |
| xxxxxx | 846162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 07/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 | Property Focused |
| xxxxxx | 846164 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 846189 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 | Property Focused |
| xxxxxx | 846257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 846292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 846297 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846308 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/13/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 | Property Focused |
| xxxxxx | 846341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Property Focused |
| xxxxxx | 846436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 846449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 846459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 846475 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 846484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 | Property Focused |
| xxxxxx | 846501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 846520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 846523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Property Focused |
| xxxxxx | 846554 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846556 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 7.430% | xxxxxx | 08/19/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846561 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 846670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.530% | 09/29/2025 | 09/18/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 846715 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/26/2025 | AVM | xxxxxx |  |  | 0.06 | xxxxxx | xxxxxx | 8.100% | 10/30/2025 | 10/30/2025 | Drive By | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 8.100% | xxxxxx | 10/30/2025 | 10/30/2025 |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846777 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 846798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/05/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 | Property Focused |
| xxxxxx | 846840 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 846859 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 846865 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846916 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 846920 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 846922 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 846948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 846965 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846967 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 846971 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/27/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 | Property Focused |
| xxxxxx | 847002 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 07/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 847003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 847005 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Property Focused |
| xxxxxx | 847008 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847030 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 847036 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 847050 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 08/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847061 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847104 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 09/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847107 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847110 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 847111 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/01/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 847116 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847118 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 847121 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 847126 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 847185 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 847210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847236 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 847302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 847309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 847327 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 08/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847335 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/21/2025 | 08/19/2025 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847359 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2024 | 10/15/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847361 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/01/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 847381 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/17/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 847385 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847388 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 08/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 | Property Focused |
| xxxxxx | 847411 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 | Mortgagor Focused |
| xxxxxx | 847453 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 847467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847482 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 847505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847506 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 | Property Focused |
| xxxxxx | 847526 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 08/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847543 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 847582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.180% | 09/23/2025 | 09/23/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 | Mortgagor Focused |
| xxxxxx | 847585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 847692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.890% | 09/26/2025 | 09/26/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847712 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 847744 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 09/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 847810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/07/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847818 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847821 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 847822 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 847823 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847826 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 847830 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 847852 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/01/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847862 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/13/2025 | 01/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/16/2025 | 01/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 847876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 08/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Mortgagor Focused |
| xxxxxx | 847884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 847887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 847894 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 847906 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Property Focused |
| xxxxxx | 847933 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 08/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847953 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 | Mortgagor Focused |
| xxxxxx | 847957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.170% | 09/19/2025 | 09/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847975 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/12/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/09/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 | Property Focused |
| xxxxxx | 848002 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 848003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/09/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 848016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Property Focused |
| xxxxxx | 848031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848044 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848054 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 848065 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 848130 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.880% | 09/05/2025 | 09/05/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 08/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 | Property Focused |
| xxxxxx | 848249 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 848289 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 09/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 848347 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/12/2025 | AVM | xxxxxx |  |  | 0.04 | xxxxxx | xxxxxx | 3.410% | 09/12/2025 | 09/12/2025 | AVM | xxxxxx | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 848412 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/14/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848420 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848455 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Property Focused |
| xxxxxx | 848491 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 848498 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 848523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 848542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.510% | 09/23/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 | Property Focused |
| xxxxxx | 848573 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 848575 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 848576 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848582 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Property Focused |
| xxxxxx | 848583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 3.510% | xxxxxx | 08/18/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/08/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 | Property Focused |
| xxxxxx | 848592 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848594 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/30/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 848613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.850% | 09/30/2025 | 09/29/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 | Mortgagor Focused |
| xxxxxx | 848703 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848758 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/13/2025 | 09/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 848776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.810% | 08/27/2025 | 08/27/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 | Property Focused |
| xxxxxx | 848792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848860 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Property Focused |
| xxxxxx | 848862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/10/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 848874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848891 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848892 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/21/2025 | 09/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Property Focused |
| xxxxxx | 848919 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 848927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.930% | 09/26/2025 | 09/26/2025 | AVM | xxxxxx | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 848985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848997 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 849003 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849013 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 849027 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 849051 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849071 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 09/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 | Mortgagor Focused |
| xxxxxx | 849080 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 06/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849110 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/21/2025 | 10/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 849150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 849153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 849154 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 849155 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/08/2025 | 08/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849156 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/06/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849158 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849159 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849163 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849164 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/09/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Property Focused |
| xxxxxx | 849166 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 849168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849169 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 849181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.520% | 09/09/2025 | 09/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.480% | 09/29/2025 | 09/29/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/19/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 849239 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/24/2025 | 09/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 849322 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 849350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/06/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.120% | 10/22/2025 | 10/22/2024 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 849409 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 849412 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.20 | Mortgagor Focused |
| xxxxxx | 849417 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 849423 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/01/2025 | 09/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 849447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.970% | 09/20/2025 | 09/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 849448 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/28/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 849489 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 849510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 849529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 849549 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 849555 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.500% | 10/13/2025 | 10/13/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849561 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11.430% | 09/17/2025 | 09/02/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 849598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/05/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 849673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 849690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 849713 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 10/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Mortgagor Focused |
| xxxxxx | 849718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/09/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 | Property Focused |
| xxxxxx | 849808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 10/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 849845 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 10/08/2025 | AVM | xxxxxx | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 850025 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850032 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 850085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/11/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.810% | 10/14/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 | Mortgagor Focused |
| xxxxxx | 850122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 850130 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 10/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 | Mortgagor Focused |
| xxxxxx | 850172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Mortgagor Focused |
| xxxxxx | 850175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850183 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/28/2025 | 09/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 09/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 850189 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 10/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850192 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/28/2025 | 09/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 | Mortgagor Focused |
| xxxxxx | 850195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.530% | 09/24/2025 | 09/24/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850198 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 | Mortgagor Focused |
| xxxxxx | 850233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Mortgagor Focused |
| xxxxxx | 850275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 850277 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 | Property Focused |
| xxxxxx | 850280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 850282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850283 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850285 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850292 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 07/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 850294 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850296 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850298 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 850300 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 850302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 850303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850305 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 850312 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/19/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 850313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/28/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 09/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Property Focused |
| xxxxxx | 850316 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 850317 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850318 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850323 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 850334 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 850460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 | Mortgagor Focused |
| xxxxxx | 850509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 850542 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.860% | 10/07/2025 | 10/07/2025 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 850614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/15/2025 | 10/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 850662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 850672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/23/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 850723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850746 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 10/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 850772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 850812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 850813 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 7.780% | xxxxxx | 09/29/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/21/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 | Mortgagor Focused |
| xxxxxx | 850865 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 10/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 | Mortgagor Focused |
| xxxxxx | 850964 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850982 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/12/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 850989 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 851042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/15/2025 | 10/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 851084 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 | Property Focused |
| xxxxxx | 851085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 851330 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 851354 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 10/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 | Mortgagor Focused |
| xxxxxx | 851465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 09/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 851489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 851593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/11/2025 | 10/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 851594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851612 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851627 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 851638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Mortgagor Focused |
| xxxxxx | 851717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/12/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 851795 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 851839 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 851842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851844 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/06/2025 | 09/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 | Mortgagor Focused |
| xxxxxx | 851845 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/15/2025 | 10/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/30/2025 | 09/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 851876 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.840% | 10/22/2025 | 10/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.00 | Mortgagor Focused |
| xxxxxx | 851891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/04/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852152 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 852159 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 852161 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 852164 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/10/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 852166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/28/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 852172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852249 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/28/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852270 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 | Mortgagor Focused |
| xxxxxx | 852276 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/16/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 852393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 852396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 852404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 10/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 | Mortgagor Focused |
| xxxxxx | 852412 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852413 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/18/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/23/2025 | 10/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 852414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 10/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852732 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 09/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 852923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 852932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/06/2025 | 10/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 852949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852950 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 10/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 853272 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 853856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/04/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC SUPPLEMENTAL DATA**

![](tm2534371d1_ex99-7img01.jpg)

**Supplemental Data**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **g** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Scope** |
| xxxxxx | 833590 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1149.63 | $1149.63 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3773.04 | xxxxxx | $314.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 838307 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19665.71 | $12974.13 |  | 8.038% | $3487.33 | $3487.33 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6526.54 | 1 | xxxxxx | $3119.04 | xxxxxx | $259.92 |  |  |  |  |  | 48.065% | 48.065% | 48.065% | 06/20/2023 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19665.71 |  | 6.960% | $40510.62 | 1 | DU |  | ApproveEligible | Yes | No | 7.500% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.11 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 840209 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1414.80 | $1414.80 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1829.04 | xxxxxx | $152.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $69608.88 | 30.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 840454 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1027.89 | $1027.89 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $819.00 | xxxxxx | $68.25 | xxxxxx |  | $66.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/11/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 841015 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1557.15 | $1557.15 | 7.625% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1506.96 | xxxxxx | $125.58 | xxxxxx |  | $58.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/02/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 841669 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $917.32 | $917.32 | 7.100% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1943.04 | xxxxxx | $161.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.100% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | xxxxxx | $426995.73 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 297.1 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 841816 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2192.71 | $2192.71 | 6.810% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2787.96 | xxxxxx | $232.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.810% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 75.38 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 841906 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1378.43 | $1378.43 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1881.36 | xxxxxx | $156.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 69.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 842307 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $800.18 | $800.18 | 7.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3650.04 | xxxxxx | $304.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 48.66 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842341 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2725.01 | $2725.01 | 7.625% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $2454.36 | xxxxxx | $204.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $227097.85 | 41.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842434 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11584.59 | $11584.59 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $10685.04 | xxxxxx | $890.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $349035.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 27.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842474 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2718.75 | $2718.75 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2967.36 | xxxxxx | $247.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  | 240 | xxxxxx | $343646.99 | 48.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 842513 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4276.00 | $4276.00 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1071.00 | xxxxxx | $89.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  | 240 | xxxxxx | $418977.10 | 39.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 842538 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1117.60 | $1117.60 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $869.88 | xxxxxx | $72.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.61 |  |  |  |  |  |  |  | xxxxxx | $8644.75 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 842551 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3407.47 | $3407.47 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2445.96 | xxxxxx | $203.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $7000.00 | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.4 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 842575 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $21845.63 | $27040.63 | xxxxxx | 8.294% | $5705.15 | $5705.15 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $24727.58 | 1 | xxxxxx | $7145.28 | xxxxxx | $595.44 |  |  |  |  |  | 28.868% | 28.868% | 28.868% | 03/26/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21845.63 | xxxxxx | 6.810% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | 7.375% | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 3.97 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $55667.12 | 6.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.03 |  | No | No | xxxxxx | $14716.96 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 842577 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9231.07 | $9231.07 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7167.00 | xxxxxx | $597.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.5 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $700703.60 | 37.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.36 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842701 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1657.87 | $1657.87 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1169.76 | xxxxxx | $97.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.72 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842793 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1783.64 | $1783.64 | 7.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $834.36 | xxxxxx | $69.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.63 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 842794 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7867.00 | $7867.00 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 5 | xxxxxx | $9400.56 | xxxxxx | $783.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $427709.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 44.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842915 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2339.30 | $2339.30 | 9.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $5600.04 | xxxxxx | $466.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $3750.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.63 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842960 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1808.97 | $1808.97 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $4391.04 | xxxxxx | $365.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $128479.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 144.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 842961 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1682.84 | $1682.84 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $4653.96 | xxxxxx | $387.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $119439.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 135.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 843035 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1103.27 | $1103.27 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1464.24 | xxxxxx | $122.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 37.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $960.47 | $960.47 | 6.625% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $859.08 | xxxxxx | $71.59 | xxxxxx |  | $419.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $131318.69 | 51.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843140 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4454.00 | $8225.57 | xxxxxx | 6.935% | $6437.90 | $6437.90 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $57017.52 | 1 | xxxxxx | $5652.00 | xxxxxx | $471.00 |  |  |  |  |  | 19.312% | 19.312% | 19.312% | 07/10/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4454.00 | xxxxxx | 6.320% | $0.00 | 1.9 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $512083.28 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 202.22 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 843146 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3262.93 | $3262.93 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $4266.00 | xxxxxx | $355.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $3404.58 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843189 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2123.38 | $2123.38 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $991.68 | xxxxxx | $82.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 195.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843220 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $896.74 | $896.74 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1062.84 | xxxxxx | $88.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 38.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843265 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1083.74 | $1083.74 | 9.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $789.24 | xxxxxx | $65.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 2.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 843315 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9912.50 | $9912.50 | 10.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $23322.48 | xxxxxx | $1943.54 | xxxxxx | xxxxxx | $295.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/22/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843411 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2497.10 | $2497.10 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $939.96 | xxxxxx | $78.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.08 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 843613 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1281.30 | $1281.30 | 7.750% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1470.84 | xxxxxx | $122.57 | xxxxxx |  | $177.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/16/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $119736.84 | 46.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 61.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843642 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1319.04 | $1319.04 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $597.96 | xxxxxx | $49.83 | xxxxxx |  | $187.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/02/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $299988.38 | 90.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.18 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 843724 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1732.55 | $1732.55 | 9.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3156.00 | xxxxxx | $263.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $19489.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.61 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 843742 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1303.68 | $1303.68 | 6.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $933.96 | xxxxxx | $77.83 | xxxxxx |  | $619.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $129111.64 | 43.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843775 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2349.36 | $2349.36 | 7.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2781.00 | xxxxxx | $231.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $94904.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 142.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843795 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1687.48 | $1687.48 | 7.890% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1710.96 | xxxxxx | $142.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.890% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $306008.56 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 135.51 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843812 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3433.93 | $3433.93 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2348.04 | xxxxxx | $195.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $6.49 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 843950 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1189.96 | $1189.96 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1321.32 | xxxxxx | $110.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.09 | 0.47 |  |  |  |  |  |  |  | xxxxxx | $399174.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 200.78 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843980 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2794.33 | $2794.33 | 7.830% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1709.04 | xxxxxx | $142.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.830% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  | 240 | xxxxxx | $275871.76 | 47.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 26.81 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843999 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2356.25 | $2356.25 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $810.96 | xxxxxx | $67.58 | xxxxxx |  | $1271.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/09/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $469866.33 | 83.160% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 58.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844010 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $852.98 | $852.98 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1470.96 | xxxxxx | $122.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 99.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844022 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1971.78 | $1971.78 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1541.04 | xxxxxx | $128.42 | xxxxxx |  | $800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/07/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $199274.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.11 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 844085 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3656.46 | $3656.46 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $3215.04 |  | $267.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.76 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844102 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1061.69 | $1061.69 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $699.96 | xxxxxx | $58.33 | xxxxxx |  | $598.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/17/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 101.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844106 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2334.72 | $2334.72 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1199.04 | xxxxxx | $99.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/20/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $299345.86 | 65.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 47.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844167 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4242.59 | $4242.59 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2924.04 | xxxxxx | $243.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.51 | 1.97 |  |  |  |  |  |  |  | xxxxxx | $560.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844177 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1436.54 | $1436.54 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $653.04 | xxxxxx | $54.42 | xxxxxx |  | $146.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/08/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 36.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844219 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1894.17 | $1894.17 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2762.04 | xxxxxx | $230.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844221 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1206.95 | $1206.95 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $915.60 | xxxxxx | $76.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.81 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844232 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11470.80 | $14352.95 | xxxxxx | 7.504% | $3714.45 | $3714.45 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11308.57 | 1 | xxxxxx | $4807.32 | xxxxxx | $400.61 |  |  |  |  |  | 38.340% | 38.340% | 38.340% | 06/23/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11470.80 | xxxxxx | 6.750% | $380000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39473.43 | 5.260% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.35 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 844246 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $784.50 | $784.50 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $795.96 | xxxxxx | $66.33 | xxxxxx |  | $350.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/29/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 844271 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3021.87 | $3021.87 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1779.00 | xxxxxx | $148.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/05/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $1295501.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 249.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844292 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1048.82 | $1048.82 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $912.96 | xxxxxx | $76.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844302 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2101.10 | $2101.10 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2026.08 | xxxxxx | $168.84 | xxxxxx |  | $2004.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/15/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844303 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2115.43 | $2115.43 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1883.04 | xxxxxx | $156.92 | xxxxxx |  | $2004.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/15/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.71 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844337 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1791.03 | $1791.03 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $915.00 | xxxxxx | $76.25 | xxxxxx |  | $300.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/29/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844420 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1354.02 | $1354.02 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1565.04 | xxxxxx | $130.42 | xxxxxx |  | $2160.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/08/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844443 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2432.67 | $2432.67 | 7.180% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2931.24 | xxxxxx | $244.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.180% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | xxxxxx | $12936.59 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 10.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844445 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3583.13 | $3583.13 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1664.04 | xxxxxx | $138.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 49.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844446 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3675.00 | $3675.00 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1296.96 | xxxxxx | $108.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 50.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844449 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19388.00 | $4570.88 | xxxxxx | 7.936% | $4253.26 | $4253.26 | 7.875% | No | No | Not Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $66483.31 | 1 | xxxxxx | $2745.96 | xxxxxx | $228.83 | xxxxxx |  | $104.00 |  | Monthly | 30.141% | 30.141% | 30.141% | 07/31/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19388.00 | xxxxxx | 6.540% | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1688410.22 |  | No |  | 19 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 458.91 |  | No | Yes | xxxxxx | $9078.92 | $30000.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 | Mortgagor Focused |
| xxxxxx | 844484 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7869.68 | $7869.68 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $824.04 | xxxxxx | $68.67 | xxxxxx | xxxxxx | $1553.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $933810.70 | 57.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.11 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844508 | xxxxxx | N/A |  |  | xxxxxx | No | No | $38135.00 | $5108.79 | xxxxxx | 7.899% | $8628.33 | $8628.33 | 7.875% | No | No | Not Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $34502.12 | 1 | xxxxxx | $6813.00 | xxxxxx | $567.75 | xxxxxx | xxxxxx | $300.00 |  | Monthly | 40.015% | 40.015% | 40.015% | 07/31/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38135.00 | xxxxxx | 6.540% | $56000.00 |  |  |  |  | Yes | No | 7.875% | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2300764.47 | 100.000% | No |  | 21 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 206.6 |  | No | No | xxxxxx | $0.00 | $30000.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 | Mortgagor Focused |
| xxxxxx | 844522 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3749.54 | $3749.54 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2325.96 | xxxxxx | $193.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $300296.26 | 41.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844529 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6418.79 | $6418.79 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5422.44 | xxxxxx | $451.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | xxxxxx | $12395.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 42.07 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844557 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1070.47 | $1070.47 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1242.96 | xxxxxx | $103.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.77 | Closed End | No |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844611 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2817.37 | $2817.37 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2394.00 | xxxxxx | $199.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 47.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844631 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5827.57 | $5827.57 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4848.00 | xxxxxx | $404.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $290479.83 | 25.820% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844649 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1573.27 | $1573.27 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1746.96 | xxxxxx | $145.58 | xxxxxx |  | $322.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/07/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $177419.26 | 57.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 41.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844669 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3379.60 | $4460.70 | xxxxxx | 8.277% | $608.95 | $608.95 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6777.63 | 1 | xxxxxx | $768.00 | xxxxxx | $64.00 | xxxxxx |  | $71.00 |  | Monthly | 35.836% | 35.836% | 35.836% | 08/04/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3379.60 | xxxxxx | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.990% | xxxxxx | xxxxxx | $1553.73 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 844685 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2900.84 | $2900.84 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $4080.96 | xxxxxx | $340.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/29/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $683799.69 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 117.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844808 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1711.68 | $1711.68 | 7.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1047.96 | xxxxxx | $87.33 | xxxxxx |  | $931.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.1 |  |  |  |  |  |  |  | xxxxxx | $220380.68 | 54.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844826 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3749.24 | $3749.24 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $9015.00 | xxxxxx | $751.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.61 |  |  |  |  |  |  |  | xxxxxx | $2500275.76 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 468.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844827 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7907.42 | $7907.42 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $8119.92 | xxxxxx | $676.66 | xxxxxx |  | $850.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/11/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 119.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844836 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5308.45 | $5308.45 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1936.20 | xxxxxx | $161.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $106487.27 | 8.940% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844857 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2327.58 | $2327.58 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2350.92 | xxxxxx | $195.91 | xxxxxx |  | $340.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/01/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $11109.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844901 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4788.88 | $4788.88 | 7.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $8875.80 | xxxxxx | $739.65 | xxxxxx |  | $1400.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $799631.85 | 61.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844915 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1298.01 | $1298.01 | 7.000% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $842.04 | xxxxxx | $70.17 | xxxxxx |  | $1007.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $589018.54 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.67 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844943 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2020.06 | $2020.06 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $660.00 | xxxxxx | $55.00 | xxxxxx |  | $225.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/22/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $14.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 844967 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2465.07 | $2465.07 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2184.96 | xxxxxx | $182.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.15 | 0.46 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 114.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 844969 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3789.07 | $3789.07 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2070.96 | xxxxxx | $172.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $42065.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 8.27 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844985 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1590.71 | $1590.71 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1281.96 | xxxxxx | $106.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 76.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844999 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $705.03 | $705.03 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1032.00 | xxxxxx | $86.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 103.7 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Property Focused |
| xxxxxx | 845051 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $100485.00 | $44233.09 | xxxxxx | 9.456% | $9010.97 | $9010.97 | 8.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $242931.34 | 4 | xxxxxx | $10385.04 | xxxxxx | $865.42 |  |  |  |  |  | 18.266% | 18.266% | 18.266% | 05/07/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $100485.00 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $207222.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.5 |  | No | Yes | xxxxxx | $297220.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 845144 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1263.10 | $1263.10 | 7.140% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1314.00 | xxxxxx | $109.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.140% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $24226.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 53.44 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845157 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1346.82 | $1346.82 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1323.00 | xxxxxx | $110.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 845176 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4331.12 | $4331.12 | 7.000% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $7401.12 | xxxxxx | $616.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $2546258.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 427.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845184 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1688.70 | $1688.70 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2012.04 | xxxxxx | $167.67 | xxxxxx |  | $1200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/16/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $384222.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 123.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1637.14 | $1637.14 | 7.125% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1166.04 | xxxxxx | $97.17 | xxxxxx |  | $720.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/28/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $89966.45 | 27.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845199 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1456.41 | $1456.41 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $709.68 | xxxxxx | $59.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $31697.22 | 11.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.92 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845223 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2227.50 | $3276.75 | xxxxxx | 7.904% | $1541.31 | $1541.31 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13286.08 | 1 | xxxxxx | $1725.48 | xxxxxx | $143.79 | xxxxxx |  | $133.00 |  | Monthly | 30.498% | 30.498% | 30.498% | 08/08/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $2227.50 | xxxxxx | 6.020% | $0.00 |  |  |  |  | N/A | No | 7.625% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $1425.88 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 845228 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1681.25 | $1681.25 | 7.500% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | xxxxxx |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1029.00 | xxxxxx | $85.75 | xxxxxx |  | $326.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/31/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | xxxxxx | $281876.81 | 77.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 77.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845277 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1970.79 | $1970.79 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $660.96 | xxxxxx | $55.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $4021.52 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 127.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845285 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13153.16 | $5512.96 | xxxxxx | 8.679% | $2491.28 | $2491.28 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6064.37 | 1 | xxxxxx | $1582.92 | xxxxxx | $131.91 |  |  |  |  |  | 35.808% | 35.808% | 35.808% | 07/28/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 89.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13153.16 | xxxxxx | 6.160% | $5400.00 | 3.8 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $42818.42 | 11.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.59 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 845295 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1218.91 | $1218.91 | 7.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2718.96 | xxxxxx | $226.58 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/07/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $22292.51 | 9.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845404 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2176.31 | $2176.31 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2094.96 | xxxxxx | $174.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $7171.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 | Property Focused |
| xxxxxx | 845416 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1187.96 | $1187.96 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1259.04 | xxxxxx | $104.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $4673.75 | 2.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Property Focused |
| xxxxxx | 845419 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1375.51 | $1375.51 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1637.04 | xxxxxx | $136.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $23935.62 | 9.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 31.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845457 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1754.76 | $1754.76 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1462.20 | xxxxxx | $121.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $83733.91 | 27.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Property Focused |
| xxxxxx | 845515 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4344.98 | $4344.98 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2874.96 | xxxxxx | $239.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $253744.83 | 31.750% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845541 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $918.28 | $918.28 | 6.790% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3074.28 | xxxxxx | $256.19 | xxxxxx | xxxxxx | $620.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/08/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.790% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.4 | 0.42 |  |  |  |  |  |  |  | xxxxxx | $43837.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 44.3 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845578 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1675.17 | $1675.17 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2895.48 | xxxxxx | $241.29 | xxxxxx |  | $2849.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/29/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $649546.40 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | Property Focused |
| xxxxxx | 845716 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1367.07 | $1367.07 | 6.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1185.00 | xxxxxx | $98.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $149249.28 | 48.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.3 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845718 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2519.00 | $3013.45 | xxxxxx | 8.312% | $4113.18 | $4113.18 | 8.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10506.68 | 1 | xxxxxx | $7947.00 | xxxxxx | $662.25 |  |  |  |  |  | 37.723% | 37.723% | 37.723% | 08/11/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 65.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2519.00 | xxxxxx | 6.570% | $0.00 | 2 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $194349.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 139.71 |  | No | No | xxxxxx | $7769.47 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 845752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4292.37 | $4292.37 | 6.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2177.04 | xxxxxx | $181.42 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $600970.00 | 55.180% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845778 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5821.72 | $5821.72 | 7.410% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5086.80 | xxxxxx | $423.90 | xxxxxx | xxxxxx | $200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.410% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $643947.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.95 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845784 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $701.38 | $701.38 | 7.390% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $702.00 | xxxxxx | $58.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.390% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 83.18 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845858 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3363.14 | $3363.14 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 5 | xxxxxx | $4960.92 | xxxxxx | $413.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $555995.49 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 86.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845862 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1663.30 | $1663.30 | 7.060% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2021.04 | xxxxxx | $168.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.060% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $148864.58 | 41.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 8.13 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845867 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2586.66 | $2586.66 | 6.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1043.40 | xxxxxx | $86.95 | xxxxxx |  | $606.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $400065.00 | 76.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845973 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1864.82 | $1864.82 | 7.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $944.04 | xxxxxx | $78.67 | xxxxxx |  | $23.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $113986.50 | 31.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846006 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1184.26 | $1184.26 | 7.250% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1485.96 | xxxxxx | $123.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $12382.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 131.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846099 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1121.33 | $1121.33 | 7.460% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2174.04 | xxxxxx | $181.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.460% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.12 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846113 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1296.13 | $1296.13 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2129.28 | xxxxxx | $177.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 31.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846142 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1117.71 | $1117.71 | 7.000% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1077.12 | xxxxxx | $89.76 | xxxxxx |  | $230.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $243341.30 | 86.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846146 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1835.44 | $1835.44 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1257.00 | xxxxxx | $104.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $100286.02 | 28.650% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | Property Focused |
| xxxxxx | 846162 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3211.66 | $3211.66 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1941.96 | xxxxxx | $161.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.45 |  |  |  |  |  |  |  | xxxxxx | $154866.40 | 27.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846164 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1313.86 | $1313.86 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2868.96 | xxxxxx | $239.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.12 | 0.47 |  |  |  |  |  |  |  | xxxxxx | $58526.11 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 106.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846189 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7331.50 | $7993.97 | xxxxxx | 7.413% | $1819.04 | $1819.04 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3934.29 | 1 | xxxxxx | $4246.44 | xxxxxx | $353.87 | xxxxxx | xxxxxx | $795.00 |  | Annually | 49.460% | 49.460% | 49.460% | 07/31/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7331.50 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 1 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $25804.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846226 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $30577.00 | $42422.27 | xxxxxx | 8.699% | $10937.19 | $10937.19 | 8.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38651.20 | 1 | xxxxxx | $13341.96 | xxxxxx | $1111.83 |  |  |  |  |  | 28.786% | 28.786% | 28.786% | 07/18/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $30577.00 | xxxxxx | 6.790% | $2500.00 | 1 |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30000.00 | 1.870% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846241 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3947.07 | $3947.07 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1575.96 | xxxxxx | $131.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 846257 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6842.48 | $7836.17 | xxxxxx | 8.451% | $3211.66 | $3211.66 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27463.46 | 1 | xxxxxx | $2394.96 | xxxxxx | $199.58 |  |  |  |  |  | 20.755% | 20.755% | 20.755% | 08/19/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6842.48 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $4800.00 | 1.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.65 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 846274 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1977.36 | $1977.36 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1035.00 | xxxxxx | $86.25 | xxxxxx |  | $130.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/21/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $202658.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 208.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846292 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1379.09 | $1379.09 | 7.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1320.84 | xxxxxx | $110.07 | xxxxxx |  | $177.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $111415.21 | 40.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846297 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22898.00 | $4864.22 |  | 7.307% | $5457.41 | $5457.41 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5796.21 | 1 | xxxxxx | $4061.04 | xxxxxx | $338.42 |  |  |  |  |  | 55.138% | 55.138% | 55.138% | 06/25/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22898.00 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2481.95 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846308 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1704.34 | $1704.34 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1485.96 | xxxxxx | $123.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 125.77 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846341 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2395.63 | $2395.63 | 7.400% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1267.92 | xxxxxx | $105.66 | xxxxxx |  | $525.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/18/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 7.400% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $414518.10 | 83.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846436 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $2471.16 | xxxxxx | 7.154% | $5389.75 | $5389.75 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10225.43 | 1 | xxxxxx | $3671.04 | xxxxxx | $305.92 | xxxxxx |  | $949.00 |  | Annually | 45.693% | 45.693% | 45.693% | 07/17/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Note Receivable]; Cancelled Checks - 2025<br> [Borrower - xxxxxx \| Primary Income - Note Receivable]; Deposit Receipt - 2025<br> [Borrower - xxxxxx \| Primary Income - Note Receivable]; Note - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1207694.93 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 136.67 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846449 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4155.43 | $4155.43 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $8004.00 | xxxxxx | $667.00 | xxxxxx |  | $260.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/11/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  |  | xxxxxx | $636176.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 90.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846459 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1983.17 | $1983.17 | 6.625% | No | No |  |  |  |  | 0 | 0 |  | Foreign National | Foreign National | Foreign National |  | xxxxxx | xxxxxx | xxxxxx |  | 1 | xxxxxx | $1652.16 | xxxxxx | $137.68 | xxxxxx |  | $730.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $412210.48 | 79.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846475 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1748.18 | $1748.18 | 7.010% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $5095.56 | xxxxxx | $424.63 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.010% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  |  |  |  |  |  | xxxxxx | $59049.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 29.22 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846481 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1783.58 | $1783.58 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $627.96 | xxxxxx | $52.33 | xxxxxx |  | $138.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/02/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $694780.28 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 264.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846484 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2912.82 | $2912.82 | 7.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $993.00 | xxxxxx | $82.75 | xxxxxx |  | $745.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $242037.42 | 42.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846501 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2690.00 | $4107.72 | xxxxxx | 7.633% | $1036.02 | $1036.02 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9161.31 | 1 | xxxxxx | $452.04 | xxxxxx | $37.67 | xxxxxx | xxxxxx | $3048.00 |  | Annually | 45.505% | 45.505% | 45.505% | 08/11/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  | 12/10/2020 | 1 | 57.36 |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2690.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $2153610.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1334.81 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 846520 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $681.73 | $681.73 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1373.04 | xxxxxx | $114.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $419825.54 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 361.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846523 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1542.95 | $1542.95 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $944.04 | xxxxxx | $78.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $71318.33 | 26.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 846554 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2002.96 | $2002.96 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1552.20 | xxxxxx | $129.35 | xxxxxx |  | $350.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/09/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 199.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846556 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15550.00 | $18759.94 | xxxxxx | 7.885% | $4069.84 | $5208.89 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12210.96 | 1 | xxxxxx | $2032.80 | xxxxxx | $169.40 |  |  |  |  |  | 35.025% | 28.964% | 35.025% | 07/28/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15550.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $13019.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846561 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2404.67 | $2404.67 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2584.44 | xxxxxx | $215.37 | xxxxxx |  | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/07/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $173246.79 | 36.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.71 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 846670 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5605.24 | $5605.24 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 6 | xxxxxx | $5915.04 | xxxxxx | $492.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/21/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $335839.81 | 35.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.76 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846684 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1819.04 | $1819.04 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3090.00 | xxxxxx | $257.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $334158.13 | 92.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.66 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 846715 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2450.70 | $3175.80 | xxxxxx | 9.409% | $1727.62 | $1727.62 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6063.33 | 1 | xxxxxx | $7176.00 | xxxxxx | $598.00 |  |  |  |  |  | 45.171% | 45.171% | 45.171% | 08/18/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2450.70 | xxxxxx | 6.570% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $563.23 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.637% | xxxxxx | xxxxxx | $2110.92 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846777 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1050.55 | $1050.55 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1268.04 | xxxxxx | $105.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No | Yes | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 70.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846798 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1486.68 | $1486.68 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $804.00 | xxxxxx | $67.00 | xxxxxx |  | $300.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/28/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $100512.68 | 35.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 29.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846840 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5491.20 | $6329.64 | xxxxxx | 9.154% | $1909.55 | $1909.55 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $6536.75 | 1 | xxxxxx | $2107.20 | xxxxxx | $175.60 |  |  |  |  |  | 42.656% | 42.656% | 42.656% | 08/21/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5491.20 | xxxxxx | 6.630% | $0.00 | 2.4 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $18620.30 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | LLC | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2074.46 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.13 |  |  | No | xxxxxx | $11399.12 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846859 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $843.27 | $843.27 | 7.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1200.00 | xxxxxx | $100.00 | xxxxxx |  | $220.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/13/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846865 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1057.17 | $1057.17 | 7.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 | xxxxxx |  | $120.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/13/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846916 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10309.01 | $10309.01 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $23091.96 | xxxxxx | $1924.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846920 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1192.35 | $1192.35 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $777.96 | xxxxxx | $64.83 | xxxxxx |  | $130.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/28/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 1589.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846922 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1192.35 | $1192.35 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $777.96 | xxxxxx | $64.83 | xxxxxx |  | $130.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/28/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $517606.70 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 1527.82 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846948 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4002.95 | $4002.95 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1913.04 | xxxxxx | $159.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $548475.54 | 73.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 59.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846965 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1362.59 | $1362.59 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1365.96 | xxxxxx | $113.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  |  |  |  |  | xxxxxx | $325859.20 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 142.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846967 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11678.54 | $11678.54 | 7.250% | No | No |  |  |  |  | 0 |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $1983.00 | xxxxxx | $165.25 | xxxxxx |  | $591.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/17/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  | 240 | xxxxxx | $1816615.35 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 128.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846971 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1953.78 | $1953.78 | 6.790% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1751.04 | xxxxxx | $145.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 307.56 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.790% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 9.82 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846985 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1819.04 | $1819.04 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2583.60 | xxxxxx | $215.30 | xxxxxx |  | $30.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/17/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Property Focused |
| xxxxxx | 847002 | xxxxxx | N/A |  |  | xxxxxx | No | No | $117038.50 | $39600.42 | xxxxxx | 9.983% | $14843.75 | $26197.41 | 12.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $123061.19 | 1 | xxxxxx | $2652.00 | xxxxxx | $221.00 | xxxxxx | xxxxxx | $1720.00 |  | Annually | 32.656% | 28.723% | 32.656% | 07/08/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $117038.50 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 12.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $882448.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.19 |  | No | No | xxxxxx | $182735.75 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 847003 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1010.12 | $1010.12 | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $942.96 | xxxxxx | $78.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 5.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 847005 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1846.14 | $1846.14 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1554.00 | xxxxxx | $129.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847008 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1273.37 | $1273.37 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2898.60 | xxxxxx | $241.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $430317.05 | 98.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 96.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 847030 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1203.55 | $1203.55 | 5.750% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $945.72 | xxxxxx | $78.81 | xxxxxx |  | $443.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/12/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  | 240 | xxxxxx | $413819.37 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 163.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847036 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1519.80 | $1519.80 | 5.750% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1247.52 | xxxxxx | $103.96 | xxxxxx |  | $408.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/12/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  | 240 | xxxxxx | $413819.37 | 97.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 120.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847050 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26897.50 | $36325.06 |  | 7.049% | $10724.36 | $10724.36 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22714.46 | 1 | xxxxxx | $6606.96 | xxxxxx | $550.58 |  |  |  |  |  | 42.566% | 42.566% | 42.566% | 08/26/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.400% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.40% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2013<br> [Borrower]; Account Transcripts - 2012<br> [Borrower]; Account Transcripts - 2012<br> [Borrower]; Account Transcripts - 2011<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26897.50 |  | 6.220% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6313.70 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847061 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1327.77 | $1327.77 | 7.180% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1221.00 | xxxxxx | $101.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 6 | 223.44 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.180% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $65007.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 90.95 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847085 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2726.94 | $2726.94 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1617.96 | xxxxxx | $134.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $503777.11 | 96.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 106.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 847104 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4918.92 | $4918.92 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2003.88 | xxxxxx | $166.99 | xxxxxx |  | $50.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/19/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.76 |  |  |  |  |  |  |  | xxxxxx | $123426.68 | 14.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.81 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 847107 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1835.86 | $1835.86 | 7.640% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1626.96 | xxxxxx | $135.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.640% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.27 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847110 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1452.86 | $1452.86 | 6.750% | No | No |  |  |  |  | 0 | 0 |  | Not Provided | Not Provided | Not Provided |  |  |  |  |  | 1 | xxxxxx | $1965.24 | xxxxxx | $163.77 | xxxxxx | xxxxxx | $746.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.35 |  |  |  |  |  |  |  | xxxxxx | $204727.67 | 45.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 847111 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2497.13 | $2497.13 | 6.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1712.04 | xxxxxx | $142.67 | xxxxxx | xxxxxx | $1480.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/07/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $1285.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847116 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $997.86 | $997.86 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1619.04 | xxxxxx | $134.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847118 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $719.78 | $719.78 | 9.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $827.04 | xxxxxx | $68.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/14/2025 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847121 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1509.40 | $1509.40 | 6.865% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1893.96 | xxxxxx | $157.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.865% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 75.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847124 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $929.64 | $929.64 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $835.32 | xxxxxx | $69.61 | xxxxxx | xxxxxx | $372.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/29/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $126339.49 | 73.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 77.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847126 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4413.15 | $4413.15 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $14463.96 | xxxxxx | $1205.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $176481.24 | 21.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 24.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847132 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1274.03 | $1274.03 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $966.96 | xxxxxx | $80.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $403354.40 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 576.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1830.20 | $1830.20 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | xxxxxx | $2920.44 | xxxxxx | $243.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847210 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4976.56 | $4976.56 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6569.28 | xxxxxx | $547.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.67 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847236 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1090.00 | $1090.00 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1715.76 | xxxxxx | $142.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847302 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1625.90 | $1625.90 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2973.96 | xxxxxx | $247.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $184025.54 | 55.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 847309 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1643.38 | $1643.38 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1221.96 | xxxxxx | $101.83 | xxxxxx |  | $96.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $694388.55 | 96.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847327 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6837.68 | $6837.68 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2102.16 | xxxxxx | $175.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $8181.02 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847335 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1171.41 | $1171.41 | 6.990% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $882.96 | xxxxxx | $73.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $9725.38 | 4.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | Property Focused |
| xxxxxx | 847359 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 | $1871.17 | xxxxxx | 7.397% | $3263.44 | $3263.44 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $89145.20 | 1 | xxxxxx | $1711.80 | xxxxxx | $142.65 |  |  |  |  |  | 9.781% | 9.781% | 9.781% | 08/28/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $59948.89 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.37 |  | No | No | xxxxxx | $50393.16 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 847361 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6216.08 | $6216.08 | 7.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $6050.88 | xxxxxx | $504.24 | xxxxxx |  | $2138.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | xxxxxx | $952241.34 | 52.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847376 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1363.00 | $1363.00 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1224.96 | xxxxxx | $102.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $114145.01 | 48.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847381 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $889.22 | $889.22 | 7.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $406.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/26/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $1500.00 | 0.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 65.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847382 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $15325.69 | $15325.69 | 8.490% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $22533.36 | xxxxxx | $1877.78 | xxxxxx | xxxxxx | $4799.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.47 | 2.08 |  |  |  |  |  |  |  | xxxxxx | $1365854.88 | 47.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 847385 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1804.43 | $1804.43 | 7.365% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1532.04 | xxxxxx | $127.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.365% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 70.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847388 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2123.18 | $2123.18 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1556.04 | xxxxxx | $129.67 | xxxxxx | xxxxxx | $568.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/05/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 91.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847399 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3226.56 | $3226.56 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6597.00 | xxxxxx | $549.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/21/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847411 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3759.66 | $6152.74 | xxxxxx | 7.575% | $1773.66 | $1773.66 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $5404.50 | 1 | xxxxxx | $2988.96 | xxxxxx | $249.08 |  |  |  |  |  | 47.258% | 47.258% | 47.258% | 08/13/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3759.66 | xxxxxx | 6.570% | $1000.00 | 4.2 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $71775.41 | 22.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | VISA | VISA |  |  |  | 7.25 |  | Yes | No | xxxxxx | $5076.23 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 847453 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2971.10 | $2971.10 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1700.04 | xxxxxx | $141.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 97.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847467 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3700.81 | $3700.81 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1329.00 | xxxxxx | $110.75 | xxxxxx |  | $466.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/18/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.42 |  |  |  |  |  |  |  | xxxxxx | $751624.24 | 96.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847482 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1466.68 | $1466.68 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $816.00 | xxxxxx | $68.00 | xxxxxx |  | $67.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/02/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $8931.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.02 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847505 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3981.56 | $3981.56 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2829.00 | xxxxxx | $235.75 | xxxxxx |  | $256.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/27/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  | 240 | xxxxxx | $337957.82 | 39.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847506 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4195.29 | $4195.29 | 7.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2113.80 | xxxxxx | $176.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $53559.34 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847526 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6602.44 | $6602.44 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2807.16 | xxxxxx | $233.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $79410.69 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 847543 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3922.51 | $3922.51 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3746.04 | xxxxxx | $312.17 | xxxxxx |  | $2075.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/06/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 70.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847582 | xxxxxx | N/A |  |  | xxxxxx | No | No | $4875.00 | $6045.30 | xxxxxx | 7.920% | $1472.21 | $1472.21 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5970.81 | 1 | xxxxxx | $1148.04 | xxxxxx | $95.67 |  |  |  |  |  | 24.716% | 24.716% | 24.716% | 09/02/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4875.00 | xxxxxx | 6.570% | $3500.00 | 1.9 |  |  |  | No | No | 7.625% | 0 |  | 2 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2000.00 | 0.760% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.2 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847585 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16739.00 | $7183.74 | xxxxxx | 7.665% | $2668.20 | $2668.20 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8189.96 | 1 | xxxxxx | $1886.04 | xxxxxx | $157.17 |  |  |  |  |  | 32.082% | 32.082% | 32.082% | 08/19/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16739.00 | xxxxxx | 6.540% | $2000.00 | 2.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1436936.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 429.43 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847685 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $3721.08 | xxxxxx | 7.073% | $2561.42 | $2561.42 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16560.50 | 1 | xxxxxx | $603.00 | xxxxxx | $50.25 | xxxxxx | xxxxxx | $270.00 |  | Monthly | 41.621% | 41.621% | 41.621% | 06/23/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2007<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.570% | $0.00 | 1.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $390509.09 | 55.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.28 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 847692 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3305.61 | $3305.61 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 5 | xxxxxx | $6737.04 | xxxxxx | $561.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $832953.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 107.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 847712 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2285.00 | $14232.80 |  | 7.269% | $12224.60 | $12224.60 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $181989.86 | 1 | xxxxxx | $6619.20 | xxxxxx | $551.60 | xxxxxx | xxxxxx | $275.00 |  | Monthly | 8.093% | 8.093% | 8.093% | 09/03/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2285.00 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20979.98 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.31 |  |  | No | xxxxxx | $198014.82 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847744 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3891.59 | $3891.59 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $2723.16 | xxxxxx | $226.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $23747.40 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 132.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847810 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3011.46 | $3011.46 | 7.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1733.04 | xxxxxx | $144.42 | xxxxxx |  | $180.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $338400.74 | 51.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847818 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1486.37 | $1486.37 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1289.16 | xxxxxx | $107.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847821 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $886.48 | $886.48 | 7.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1080.96 | xxxxxx | $90.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.48 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847822 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1101.38 | $1101.38 | 7.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $966.00 | xxxxxx | $80.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847823 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $942.68 | $942.68 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2251.92 | xxxxxx | $187.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 104.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847826 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1036.81 | $1036.81 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1075.08 | xxxxxx | $89.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $34368.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 130.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 6 | Property Focused |
| xxxxxx | 847829 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $787.71 | $787.71 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1245.00 | xxxxxx | $103.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $46478.85 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847830 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6058.70 | $6058.70 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2046.00 | xxxxxx | $170.50 | xxxxxx | xxxxxx | $1308.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/05/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $583366.90 | 45.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847852 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1955.88 | $1955.88 | 7.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2304.96 | xxxxxx | $192.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.62 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847862 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3380.00 | $5725.94 |  | 7.168% | $6164.52 | $6164.52 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39983.51 | 2 | xxxxxx | $2380.44 | xxxxxx | $198.37 |  |  |  |  |  | 19.299% | 19.299% | 19.299% | 09/23/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3380.00 |  | 6.220% | $0.00 |  |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $92062.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.64 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 847876 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18521.81 | $9161.16 | xxxxxx | 7.378% | $2353.30 | $2353.30 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $10237.67 | 1 | xxxxxx | $544.80 | xxxxxx | $45.40 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 41.102% | 41.102% | 41.102% | 08/28/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18521.81 | xxxxxx | 6.540% | $0.00 | 1.6 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $603752.55 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 130.96 |  | No | Yes | xxxxxx | $17382.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 847884 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3935.26 | $3935.26 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4503.00 | xxxxxx | $375.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $19351.89 | 2.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 29.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847887 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1235.58 | $1235.58 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $883.68 | xxxxxx | $73.64 | xxxxxx |  | $1392.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $105815.77 | 40.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847894 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1558.56 | $1558.56 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2495.04 | xxxxxx | $207.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $115286.78 | 31.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 847906 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2036.48 | $2036.48 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $943.08 | xxxxxx | $78.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 114.17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847933 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3581.43 | $3581.43 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2502.00 | xxxxxx | $208.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847953 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3141.50 | $4960.89 | xxxxxx | 7.910% | $8157.03 | $8157.03 | 7.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $27043.03 | 1 | xxxxxx | $14133.96 | xxxxxx | $1177.83 | xxxxxx |  | $1000.00 |  | Annually | 36.340% | 36.340% | 36.340% | 09/03/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3141.50 | xxxxxx | 6.540% | $0.00 | 2.8 |  |  |  | No | No | 7.875% | 3 | 2 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $45376.74 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 58.78 |  | No | No | xxxxxx | $27314.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847957 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5457.12 | $5457.12 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2828.04 | xxxxxx | $235.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $631491.99 | 48.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847975 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1534.90 | $1534.90 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1875.72 | xxxxxx | $156.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $73789.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847988 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6752.19 | $6752.19 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $15120.12 | xxxxxx | $1260.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.72 |  |  |  |  |  |  |  | xxxxxx | $1310049.59 | 90.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | Property Focused |
| xxxxxx | 848002 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1051.09 | $1051.09 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1818.72 | xxxxxx | $151.56 | xxxxxx |  | $441.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.4 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848003 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2538.23 | $2538.23 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $7621.32 | xxxxxx | $635.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/06/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $217041.19 | 44.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848016 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2021.16 | $2021.16 | 7.125% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $6346.32 | xxxxxx | $528.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $269989.46 | 67.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 57.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848031 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2020.95 | $2020.95 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1616.04 | xxxxxx | $134.67 | xxxxxx |  | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/15/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $400479.62 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848044 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1097.75 | $1097.75 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1308.96 | xxxxxx | $109.08 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/09/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 94.52 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848054 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10445.00 | $11422.50 | xxxxxx | 7.781% | $2852.80 | $2852.80 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10725.35 | 1 | xxxxxx | $1163.04 | xxxxxx | $96.92 |  |  |  |  |  | 39.651% | 39.651% | 39.651% | 08/08/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10445.00 | xxxxxx | 6.610% | $0.00 | 1.9 |  |  |  | N/A | No | 7.500% | 2 |  | 1 | 0 | 3 | 1 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $9724.70 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.56 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 848065 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1861.37 | $1861.37 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1859.04 | xxxxxx | $154.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $66094.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 135.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848130 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8128.64 | $10569.95 | xxxxxx | 8.201% | $1353.66 | $1353.66 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4381.96 | 1 | xxxxxx | $2157.00 | xxxxxx | $179.75 |  |  |  |  |  | 36.430% | 36.430% | 36.430% | 07/02/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8128.64 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.45 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848132 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1108.54 | $1108.54 | 7.250% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1434.96 | xxxxxx | $119.58 | xxxxxx |  | $1896.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $26197.22 | 10.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848135 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3426.15 | $3426.15 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1146.00 | xxxxxx | $95.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/10/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.7 |  |  |  |  |  |  |  | xxxxxx | $469249.67 | 67.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 848233 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6845.92 | $6845.92 | 8.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $5140.68 | xxxxxx | $428.39 | xxxxxx |  | $744.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/01/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.39 |  |  |  |  |  |  |  | xxxxxx | $312619.13 | 25.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 71.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848249 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1330.60 | $1330.60 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2732.04 | xxxxxx | $227.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848289 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6670.00 | $10552.00 | xxxxxx | 6.840% | $6771.36 | $6771.36 | 6.750% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18623.02 | 1 | xxxxxx | $7537.08 | xxxxxx | $628.09 |  |  |  |  |  | 49.639% | 49.639% | 49.639% | 08/19/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6670.00 | xxxxxx | 6.570% | $0.00 | 2.6 |  |  |  | No | No | 6.750% | 1 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $772602.88 | 59.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 54.72 |  | No | No | xxxxxx | $0.00 | $24805.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Mortgagor Focused |
| xxxxxx | 848347 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1958.00 | $2703.16 | xxxxxx | 9.778% | $823.20 | $823.20 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3194.89 | 1 | xxxxxx | $2810.04 | xxxxxx | $234.17 |  |  |  |  |  | 47.189% | 47.189% | 47.189% | 09/11/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1958.00 | xxxxxx | 6.540% | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1589.76 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.990% | xxxxxx | xxxxxx | $903.48 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848356 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7161.51 | $10670.36 | xxxxxx | 7.089% | $2956.18 | $2956.18 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5118.07 | 1 | xxxxxx | $1615.32 | xxxxxx | $134.61 |  |  |  |  |  | 42.993% | 42.993% | 42.993% | 08/22/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $7161.51 | xxxxxx | 6.630% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  | Closed End | No |  |  |  |  |  | xxxxxx | $51.22 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848412 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10145.02 | $13467.46 | xxxxxx | 8.003% | $3266.85 | $3266.85 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $30404.40 | 1 | xxxxxx | $1116.00 | xxxxxx | $93.00 | xxxxxx | xxxxxx | $292.00 |  | Annually | 15.897% | 15.897% | 15.897% | 09/04/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10145.02 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $325515.38 | 53.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 60.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848420 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5785.80 | $7413.05 | xxxxxx | 7.100% | $1813.12 | $1813.12 | 6.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5927.66 | 1 | xxxxxx | $1872.00 | xxxxxx | $156.00 | xxxxxx | xxxxxx | $429.00 |  | Annually | 48.278% | 48.278% | 48.278% | 09/10/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5785.80 | xxxxxx | 6.320% | $10000.00 | 1 |  |  |  | Yes | No | 6.875% | 2 | 2 | 2 | 0 | 0 | 2 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $619197.10 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 210.13 |  | Yes | No | xxxxxx | $9727.20 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 848455 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1052.32 | $1052.32 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $945.96 | xxxxxx | $78.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $11756.47 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 126.51 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848481 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3923.03 | $3923.03 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4250.04 | xxxxxx | $354.17 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/15/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $1669812.74 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 312.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848491 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2454.36 | $2454.36 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1200.00 | xxxxxx | $100.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $16128.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848498 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4345.46 | $4345.46 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $1185.60 | xxxxxx | $98.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $7618.50 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848523 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1821.27 | $1821.27 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1374.00 | xxxxxx | $114.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $195071.60 | 53.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848524 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2849.03 | $2849.03 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $6327.84 | xxxxxx | $527.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  |  |  |  |  | xxxxxx | $161690.50 | 29.390% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 3.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848542 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1389.69 | $1389.69 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $372.48 | xxxxxx | $31.04 | xxxxxx |  | $310.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/21/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $118645.41 | 44.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848573 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1111.53 | $1111.53 | 7.124% | No | No |  |  |  |  | 0 |  |  | xxxxxx | N/A |  |  |  |  |  |  | 1 | xxxxxx | $1417.20 | xxxxxx | $118.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $193100.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 129.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848575 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $772.22 | $772.22 | 7.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $557.04 | xxxxxx | $46.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $20968.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848576 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1472.56 | $1472.56 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3254.76 | xxxxxx | $271.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848580 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1761.85 | $1761.85 | 7.499% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1140.48 | xxxxxx | $95.04 | xxxxxx | xxxxxx | $647.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/18/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848582 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1087.50 | $1087.50 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $483.00 | xxxxxx | $40.25 | xxxxxx | xxxxxx | $755.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/30/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $7752.33 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.86 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 848583 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1690.24 | $1690.24 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1335.96 | xxxxxx | $111.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/04/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $158319.23 | 45.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848585 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2283.79 | $2283.79 | 6.865% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1520.04 | xxxxxx | $126.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.865% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $141931.60 | 32.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848587 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3631.78 | $3631.78 | 6.749% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $5017.92 | xxxxxx | $418.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 136.08 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 70.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848589 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4593.56 | $4593.56 | 7.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3048.00 | xxxxxx | $254.00 | xxxxxx | xxxxxx | $1450.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/08/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.55 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848592 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2114.54 | $2114.54 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1109.04 | xxxxxx | $92.42 | xxxxxx | xxxxxx | $165.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/03/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 78.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848594 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $990.15 | $990.15 | 7.365% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1658.04 | xxxxxx | $138.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.9 | 0.52 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Property Focused |
| xxxxxx | 848606 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1926.98 | $1926.98 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1787.04 | xxxxxx | $148.92 | xxxxxx |  | $240.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/04/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $88123.60 | 25.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848613 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19084.60 | $32916.80 | xxxxxx | 7.374% | $14189.27 | $14189.27 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37490.78 | 1 | xxxxxx | $6353.04 | xxxxxx | $529.42 |  |  |  |  |  | 45.687% | 45.687% | 45.687% | 09/04/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19084.60 | xxxxxx | 6.220% | $0.00 | 1.9 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $603687.03 | 23.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.49 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 848703 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1121.19 | $1121.19 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $840.96 | xxxxxx | $70.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848736 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26796.00 | $29934.40 | xxxxxx | 7.224% | $5250.18 | $5250.18 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19885.90 | 1 | xxxxxx | $2577.00 | xxxxxx | $214.75 |  |  |  |  |  | 32.427% | 32.427% | 32.427% | 07/31/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26796.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $303452.01 | 30.370% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.74 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848752 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19135.00 | $22889.17 | xxxxxx | 7.873% | $6794.82 | $6794.82 | 7.625% | No | No | Self-Employed | Self-Employed | Self-Employed |  | 6.74 |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Permanent Resident Alien |  | xxxxxx | xxxxxx |  |  | $13198.85 | 2 | xxxxxx | $1241.04 | xxxxxx | $103.42 |  |  |  |  |  | 38.522% | 38.522% | 38.522% | 08/03/2025 | 772 | 618 | 664 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19135.00 | xxxxxx | 6.320% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $288186.58 | 24.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  | Employment Authorization | Employment Authorization | Resident Alien Card |  |  | 6.15 |  |  | No | xxxxxx | $16379.31 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848758 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $34196.00 | $8819.50 | xxxxxx | 7.299% | $12279.17 | $12279.17 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39300.30 | 1 | xxxxxx | $5650.56 | xxxxxx | $470.88 |  |  |  |  |  | 40.661% | 40.661% | 40.661% | 08/20/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34196.00 | xxxxxx | 6.320% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $26249.50 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.76 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 848772 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14380.00 | $18083.60 | xxxxxx | 7.744% | $3508.63 | $3508.63 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6803.73 | 1 | xxxxxx | $3942.12 | xxxxxx | $328.51 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 46.340% | 46.340% | 46.340% | 08/22/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14380.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $71484.58 | 11.250% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848773 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16450.00 | $6156.87 | xxxxxx | 7.448% | $5180.06 | $5180.06 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9782.18 | 2 | xxxxxx | $1640.16 | xxxxxx | $136.68 |  |  |  |  |  | 39.457% | 39.457% | 39.457% | 07/29/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16450.00 | xxxxxx | 6.540% | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.83 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848776 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2599.09 | $2599.09 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1149.96 | xxxxxx | $95.83 | xxxxxx |  | $1244.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/07/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.5 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.56 |  |  |  |  |  |  |  | xxxxxx | $297002.00 | 46.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 10 | Property Focused |
| xxxxxx | 848792 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $5117.56 | xxxxxx | 7.180% | $4379.18 | $4379.18 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28713.77 | 1 | xxxxxx | $3559.32 | xxxxxx | $296.61 |  |  |  |  |  | 25.068% | 25.068% | 25.068% | 07/25/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1158527.14 | 85.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.73 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848822 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1695.00 | $5286.65 | xxxxxx | 7.233% | $2142.42 | $2142.42 | 7.125% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $16034.40 | 1 | xxxxxx | $1078.56 | xxxxxx | $89.88 | xxxxxx | xxxxxx | $466.00 |  | Monthly | 17.657% | 17.657% | 17.657% | 08/06/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1695.00 | xxxxxx | 6.320% | $13250.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $130710.19 | 32.880% | No | 2 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 14.76 |  |  | No | xxxxxx | $0.00 | $11008.19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848840 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10490.00 | $12324.98 | xxxxxx | 7.814% | $2796.86 | $2796.86 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5374.32 | 1 | xxxxxx | $1298.04 | xxxxxx | $108.17 |  |  |  |  |  | 37.693% | 37.693% | 37.693% | 07/18/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10490.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848860 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2693.41 | $2693.41 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1203.00 | xxxxxx | $100.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848862 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2000.40 | $2000.40 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1236.96 | xxxxxx | $103.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $139377.69 | 34.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848868 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23844.16 | $17688.24 | xxxxxx | 7.519% | $3761.21 | $3761.21 | 7.250% | No | No | Not Employed | Self-Employed | Employed |  | 4.26 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $24977.37 | 1 | xxxxxx | $4605.72 | xxxxxx | $383.81 |  |  |  |  |  | 43.361% | 43.361% | 43.361% | 08/28/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23844.16 | xxxxxx | 6.320% | $0.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1020263.67 | 100.000% | No |  |  | 32 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 183.76 |  | No | No | xxxxxx | $21853.42 | $22245.92 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 848874 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2937.41 | $2937.41 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2133.96 | xxxxxx | $177.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $239444.66 | 38.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848891 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1648.56 | $1648.56 | 7.070% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $534.96 | xxxxxx | $44.58 | xxxxxx | xxxxxx | $184.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.070% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $20376.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 14.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848892 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2955.94 | $2955.94 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3039.96 | xxxxxx | $253.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $249320.50 | 42.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 24.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848919 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1269.07 | $1269.07 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $957.00 | xxxxxx | $79.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 113.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848927 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14079.02 | $15727.47 | xxxxxx | 6.665% | $3300.27 | $3300.27 | 6.375% | No | No | Self-Employed | Employed | Non-Employment Income |  | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $5739.02 | 1 | xxxxxx | $1457.04 | xxxxxx | $121.42 | xxxxxx | xxxxxx | $1056.00 |  | Annually | 48.383% | 48.383% | 48.383% | 09/10/2025 | 774 | 802 | 809 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | Yes | 12 | Business | 61.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14079.02 | xxxxxx | 6.220% | $20000.00 | 3 |  |  |  | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $291399.37 | 37.640% | No |  | 17 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 21.53 |  | Yes | No | xxxxxx | $2481.70 | $1879.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 848985 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7976.20 | $10374.24 | xxxxxx | 7.654% | $4209.27 | $4209.27 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $108415.35 | 1 | xxxxxx | $3041.76 | xxxxxx | $253.48 | xxxxxx | xxxxxx | $47.00 |  | Monthly | 10.433% | 10.433% | 10.433% | 08/05/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7976.20 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848997 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4223.95 | $4223.95 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1262.04 | xxxxxx | $105.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 85.38 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849003 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2590.03 | $2590.03 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1136.04 | xxxxxx | $94.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 81.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849013 | xxxxxx | N/A |  |  | xxxxxx | No | No | $33545.00 | $11686.02 | xxxxxx | 8.034% | $3969.75 | $3969.75 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $19398.03 | 3 | xxxxxx | $2734.68 | xxxxxx | $227.89 |  |  |  |  |  | 41.769% | 41.769% | 41.769% | 08/27/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 96.72 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $33545.00 | xxxxxx | 6.220% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.78 |  | No | No | xxxxxx | $33312.05 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849027 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1165.51 | $1165.51 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3866.04 | xxxxxx | $322.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.29 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849035 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15081.00 | $22310.55 | xxxxxx | 7.533% | $4638.80 | $4638.80 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21245.70 | 1 | xxxxxx | $2856.96 | xxxxxx | $238.08 |  |  |  |  |  | 21.963% | 21.963% | 21.963% | 09/05/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15081.00 | xxxxxx | 6.220% | $5000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $8350.00 | 0.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849051 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3394.20 | $3749.22 | xxxxxx | 8.824% | $766.86 | $766.86 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3477.26 | 1 | xxxxxx | $2737.20 | xxxxxx | $228.10 |  |  |  |  |  | 47.675% | 47.675% | 47.675% | 09/22/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.60000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3394.20 | xxxxxx | 5.700% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1738.06 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.125% | xxxxxx | xxxxxx | $904.15 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849053 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16504.25 | $9836.82 | xxxxxx | 7.530% | $2077.23 | $2077.23 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30856.25 | 1 | xxxxxx | $992.04 | xxxxxx | $82.67 |  |  |  |  |  | 42.416% | 42.416% | 42.416% | 08/28/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16504.25 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 1 | 0 | 4 | 1 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $69480.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 | Mortgagor Focused |
| xxxxxx | 849071 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $46450.00 | $7613.00 |  | 7.276% | $12279.17 | $12279.17 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $52855.47 | 1 | xxxxxx | $3821.04 | xxxxxx | $318.42 |  |  |  |  |  | 36.641% | 36.641% | 36.641% | 09/03/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $46450.00 |  | 6.320% | $0.00 | 2.7 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.26 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 849080 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2252.03 | $2252.03 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $720.96 | xxxxxx | $60.08 | xxxxxx |  | $600.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/13/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  | 240 | xxxxxx | $21479.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 75.59 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849110 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $46995.00 | $46904.70 | xxxxxx | 7.961% | $10581.52 | $10581.52 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $133761.51 | 1 | xxxxxx | $18726.48 | xxxxxx | $1560.54 |  |  |  |  |  | 17.664% | 17.664% | 17.664% | 09/16/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $46995.00 | xxxxxx | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $514482.83 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 186.85 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849150 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1441.30 | $1441.30 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1235.04 | xxxxxx | $102.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $43209.39 | 15.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849153 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $687.31 | $687.31 | 6.499% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1662.48 | xxxxxx | $138.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $60221.32 | 41.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.49 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849154 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1560.33 | $1560.33 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1269.96 | xxxxxx | $105.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849155 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2036.47 | $2036.47 | 7.990% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 2 | xxxxxx | $4365.96 | xxxxxx | $363.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 88.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 849156 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1379.07 | $1379.07 | 6.249% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1103.04 | xxxxxx | $91.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $101773.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.93 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | Property Focused |
| xxxxxx | 849158 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1993.90 | $1993.90 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3362.16 | xxxxxx | $280.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $187312.50 | 49.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 73.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849159 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1300.84 | $1300.84 | 6.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $831.00 | xxxxxx | $69.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849161 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $913.63 | $913.63 | 6.249% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $882.96 | xxxxxx | $73.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $81773.80 | 38.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 80.93 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849162 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3245.00 | $3245.00 | 6.490% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $254.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  | 240 | xxxxxx | $898545.70 | 71.880% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 849163 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1395.66 | $1395.66 | 7.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $658.68 | xxxxxx | $54.89 | xxxxxx | xxxxxx | $185.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/12/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849164 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9938.66 | $9938.66 | 8.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6799.56 | xxxxxx | $566.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849165 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3270.71 | $3270.71 | 7.249% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3525.96 | xxxxxx | $293.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $511280.13 | 73.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 73.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849166 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1333.79 | $1333.79 | 8.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1728.60 | xxxxxx | $144.05 | xxxxxx | xxxxxx | $120.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/27/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Property Focused |
| xxxxxx | 849168 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1562.27 | $1562.27 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1211.04 | xxxxxx | $100.92 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/12/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $19358.81 | 5.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849169 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7192.26 | $7192.26 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3037.20 | xxxxxx | $253.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 849181 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $50981.00 | $72236.82 | xxxxxx | 7.248% | $16466.24 | $16466.24 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $66852.76 | 1 | xxxxxx | $3663.00 | xxxxxx | $305.25 | xxxxxx | xxxxxx | $265.00 |  | Monthly | 47.102% | 47.102% | 47.102% | 08/11/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $50981.00 | xxxxxx | 6.220% | $0.00 | 2.2 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $740145.76 | 22.390% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.19 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Mortgagor Focused |
| xxxxxx | 849183 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18905.07 | $18778.83 | xxxxxx | 8.454% | $4610.91 | $4610.91 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $90515.21 | 1 | xxxxxx | $3846.36 | xxxxxx | $320.53 | xxxxxx | xxxxxx | $750.00 |  | Annually | 8.731% | 8.731% | 8.731% | 08/26/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18905.07 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7150.00 | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.93 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849220 | xxxxxx | N/A |  |  | xxxxxx | No | No | $30656.00 | $21212.64 | xxxxxx | 7.976% | $3963.64 | $3963.64 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24597.16 | 1 | xxxxxx | $2704.32 | xxxxxx | $225.36 |  |  |  |  |  | 38.035% | 38.035% | 38.035% | 08/12/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30656.00 | xxxxxx | 6.220% | $27284.98 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1000.00 | 0.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.52 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849239 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14275.64 | $14618.91 | xxxxxx | 7.700% | $3051.06 | $3051.06 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8824.68 | 1 | xxxxxx | $4675.20 | xxxxxx | $389.60 |  |  |  |  |  | 34.225% | 34.225% | 34.225% | 10/15/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14275.64 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28468.89 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849301 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8910.00 | $11043.79 | xxxxxx | 7.731% | $2002.96 | $2002.96 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8445.90 | 1 | xxxxxx | $1520.04 | xxxxxx | $126.67 |  |  |  |  |  | 42.610% | 42.610% | 42.610% | 09/11/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8910.00 | xxxxxx | 6.220% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.22 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849322 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7695.00 | $8997.53 | xxxxxx | 7.294% | $3537.02 | $3537.02 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7052.01 | 1 | xxxxxx | $2320.56 | xxxxxx | $193.38 |  |  |  |  |  | 39.752% | 39.752% | 39.752% | 07/10/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7695.00 | xxxxxx | 6.320% | $0.00 | 1.8 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.38 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849350 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1223.63 | $1223.63 | 7.500% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $1419.00 | xxxxxx | $118.25 | xxxxxx |  | $164.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $98138.12 | 39.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849389 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3129.00 | $3842.55 | xxxxxx | 7.621% | $2167.56 | $2167.56 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $393739.97 | 1 | xxxxxx | $1107.36 | xxxxxx | $92.28 | xxxxxx | xxxxxx | $619.00 |  | Annually | 1.609% | 1.609% | 1.609% | 09/03/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3129.00 | xxxxxx | 6.220% | $12142.77 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $14504.71 | 3.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849409 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $3578.35 | xxxxxx | 7.685% | $3185.08 | $3185.08 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18250.92 | 1 | xxxxxx | $3209.04 | xxxxxx | $267.42 |  |  |  |  |  | 29.895% | 29.895% | 29.895% | 09/17/2025 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.220% | $0.00 | 1.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2476.47 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.47 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849412 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2550.00 | $3431.00 | xxxxxx | 7.161% | $8731.39 | $8731.39 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42944.04 | 1 | xxxxxx | $3117.96 | xxxxxx | $259.83 |  |  |  |  |  | 20.864% | 20.864% | 20.864% | 07/23/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2550.00 | xxxxxx | 6.630% | $0.00 | 4.2 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $34351.58 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849417 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5396.25 | $6043.31 | xxxxxx | 7.554% | $6628.13 | $8543.32 | 7.500% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $46209.53 | 1 | xxxxxx | $2305.56 | xxxxxx | $192.13 |  |  |  |  |  | 19.214% | 15.866% | 19.214% | 08/13/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5396.25 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  | 32 |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.72 |  |  | No | xxxxxx | $0.00 | $57200.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849421 | xxxxxx | N/A |  |  | xxxxxx | No | No | $17676.05 | $8437.76 | xxxxxx | 7.458% | $2249.14 | $2249.14 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32254.95 | 1 | xxxxxx | $893.04 | xxxxxx | $74.42 |  |  |  |  |  | 41.337% | 41.337% | 41.337% | 08/28/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $17676.05 | xxxxxx | 6.220% | $0.00 | 1.6 |  |  |  | Yes | No | 7.250% | 0 |  | 1 | 0 | 4 | 1 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $69480.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.93 |  | No | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 | Mortgagor Focused |
| xxxxxx | 849423 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18782.75 | $10954.17 | xxxxxx | 7.516% | $2411.49 | $2411.49 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31513.62 | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 |  |  |  |  |  | 42.685% | 42.685% | 42.685% | 08/28/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $18782.75 | xxxxxx | 6.320% | $0.00 | 2.8 |  |  |  | No | No | 7.250% | 0 |  | 1 | 0 | 2 | 1 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $69480.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.6 |  | No | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 11 | Mortgagor Focused |
| xxxxxx | 849424 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16016.00 | $9684.42 | xxxxxx | 7.535% | $2005.60 | $2005.60 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32254.90 | 1 | xxxxxx | $741.96 | xxxxxx | $61.83 |  |  |  |  |  | 41.337% | 41.337% | 41.337% | 08/28/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $16016.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 1 | 0 | 2 | 1 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $69480.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.3 |  | No | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 | Mortgagor Focused |
| xxxxxx | 849436 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20849.80 | $11094.29 | xxxxxx | 7.297% | $2485.57 | $2485.57 | 7.000% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8842.65 | 1 | xxxxxx | $1700.04 | xxxxxx | $141.67 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 34.499% | 34.499% | 34.499% | 08/29/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20849.80 | xxxxxx | 6.540% | $5000.00 | 2.7 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.07 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849447 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8145.00 | $4926.17 | xxxxxx | 7.576% | $2880.76 | $2880.76 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4791.75 | 1 | xxxxxx | $1355.04 | xxxxxx | $112.92 |  |  |  |  |  | 45.237% | 45.237% | 45.237% | 08/26/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8145.00 | xxxxxx | 6.540% | $5000.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 | 0.000% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849448 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $26650.00 | $31969.25 | xxxxxx | 7.094% | $8277.30 | $8277.30 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12955.15 | 1 | xxxxxx | $2522.04 | xxxxxx | $210.17 |  |  |  |  |  | 43.875% | 43.875% | 43.875% | 07/15/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $26650.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $8477.60 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849464 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4450.00 | $9042.11 | xxxxxx | 6.836% | $5638.91 | $5638.91 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12601.62 | 1 | xxxxxx | $6925.44 | xxxxxx | $577.12 |  |  |  |  |  | 40.374% | 40.374% | 40.374% | 09/23/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4450.00 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $96858.58 | 7.790% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849481 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8995.00 | $10127.50 | xxxxxx | 6.938% | $3005.32 | $3005.32 | 6.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4726.61 | 1 | xxxxxx | $2417.04 | xxxxxx | $201.42 |  |  |  |  |  | 42.358% | 42.358% | 42.358% | 09/10/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8995.00 | xxxxxx | 5.710% | $7500.00 | 1 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $146559.34 | 31.860% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849489 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3405.00 | $5274.48 | xxxxxx | 8.104% | $2898.37 | $2898.37 | 8.000% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $20226.06 | 1 | xxxxxx | $2583.96 | xxxxxx | $215.33 |  |  |  |  |  | 40.470% | 40.470% | 40.470% | 09/12/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3405.00 | xxxxxx | 6.220% | $0.00 | 2.4 |  |  |  | N/A | No | 8.000% | 1 | 1 | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5.38 |  | No |  | 13 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $4312.89 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.52 |  |  | No | xxxxxx | $0.00 | $6746.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849510 | xxxxxx | N/A |  |  | xxxxxx | No | No | $68914.63 | $24151.84 | xxxxxx | 7.712% | $6983.40 | $6983.40 | 7.500% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $27110.67 | 1 | xxxxxx | $8757.12 | xxxxxx | $729.76 |  |  |  |  |  | 39.519% | 39.519% | 39.519% | 09/16/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $68914.63 | xxxxxx | 6.220% | $16500.00 |  |  |  |  | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $427437.25 | 36.370% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 25.36 |  | No | No | xxxxxx | $0.00 | $44825.10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849529 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14679.82 | $16876.30 | xxxxxx | 7.780% | $4111.33 | $4111.33 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15981.78 | 1 | xxxxxx | $555.00 | xxxxxx | $46.25 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 36.900% | 36.900% | 36.900% | 09/03/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14679.82 | xxxxxx | 6.310% | $10000.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $322274.37 | 43.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.58 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849530 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10720.00 | $11812.25 | xxxxxx | 7.034% | $2672.22 | $2672.22 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11232.08 | 1 | xxxxxx | $831.96 | xxxxxx | $69.33 | xxxxxx | xxxxxx | $62.00 |  | Monthly | 28.541% | 28.541% | 28.541% | 08/27/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10720.00 | xxxxxx | 6.320% | $11000.00 | 1.1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $167919.90 | 32.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.42 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849549 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2549.13 | $2549.13 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2001.96 | xxxxxx | $166.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.04 | 0.48 |  |  |  |  |  |  |  | xxxxxx | $60366.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.16 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849555 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6478.03 | $7758.41 | xxxxxx | 7.070% | $2539.36 | $2539.36 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7820.38 | 1 | xxxxxx | $1602.96 | xxxxxx | $133.58 |  |  |  |  |  | 39.013% | 39.013% | 39.013% | 09/29/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6478.03 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $10859.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849561 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5707.50 | $17547.44 | xxxxxx | 7.029% | $16299.91 | $16299.91 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $44776.15 | 1 | xxxxxx | $3819.00 | xxxxxx | $318.25 |  |  |  |  |  | 31.308% | 31.308% | 31.308% | 08/19/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5707.50 | xxxxxx | 6.220% | $0.00 | 2.4 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849598 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2630.51 | $2630.51 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1982.40 | xxxxxx | $165.20 | xxxxxx |  | $550.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/17/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $176126.32 | 31.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849673 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5856.68 | $5856.68 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6711.48 | xxxxxx | $559.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.44 |  |  |  |  |  |  |  | xxxxxx | $1026410.48 | 94.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849690 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2960.00 | $5599.31 | xxxxxx | 7.010% | $2049.62 | $2049.62 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3885.51 | 1 | xxxxxx | $1329.00 | xxxxxx | $110.75 |  |  |  |  |  | 39.415% | 39.415% | 39.415% | 09/23/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2960.00 | xxxxxx | 6.310% | $10000.00 | 1.6 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $186262.32 | 43.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849713 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8552.50 | $10257.27 | xxxxxx | 7.885% | $1748.04 | $1748.04 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5505.11 | 1 | xxxxxx | $1928.04 | xxxxxx | $160.67 |  |  |  |  |  | 46.356% | 46.356% | 46.356% | 09/25/2025 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 45.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8552.50 | xxxxxx | 6.310% | $0.00 | 3.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $31781.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.44 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849718 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2981.20 | $2981.20 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2754.96 | xxxxxx | $229.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.63 |  |  |  |  |  |  |  | xxxxxx | $194645.03 | 32.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849808 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8646.25 | $10131.36 | xxxxxx | 7.367% | $1851.20 | $1851.20 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $340215.20 | 1 | xxxxxx | $812.04 | xxxxxx | $67.67 | xxxxxx | xxxxxx | $193.00 |  | Monthly | 2.020% | 2.020% | 2.020% | 09/30/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8646.25 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $280242.83 | 75.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.43 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849845 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2837.16 | $2837.16 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1364.04 | xxxxxx | $113.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $214245.04 | 34.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 31.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850025 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2344.00 | $8330.78 | xxxxxx | 7.272% | $10614.66 | $10614.66 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $219877.76 | 1 | xxxxxx | $3392.04 | xxxxxx | $282.67 | xxxxxx | xxxxxx | $110.38 |  | Monthly | 22.160% | 22.160% | 22.160% | 09/25/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2003<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2003<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2003<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.220% | $0.00 | 1.9 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $245194.57 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.1 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 | Mortgagor Focused |
| xxxxxx | 850031 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25128.00 | $28217.00 | xxxxxx | 8.389% | $4130.00 | $4130.00 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10577.79 | 1 | xxxxxx | $1271.04 | xxxxxx | $105.92 |  |  |  |  |  | 32.967% | 32.967% | 32.967% | 09/09/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25128.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | No | No | 7.875% | 2 |  | 0 | 0 | 0 | 0 |  |  | 26.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $63143.08 |  | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.41 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850032 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1171.09 | $1171.09 | 8.000% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $2411.40 | xxxxxx | $200.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $112523.14 | 49.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850066 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4279.60 | $6497.28 | xxxxxx | 7.192% | $6198.21 | $6198.21 | 7.125% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12103.58 | 1 | xxxxxx | $3706.80 | xxxxxx | $308.90 | xxxxxx | xxxxxx | $175.00 |  | Monthly | 48.450% | 48.450% | 48.450% | 09/03/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4279.60 | xxxxxx | 6.220% | $2000.00 |  |  |  |  | Yes | No | 7.125% | 2 | 0 | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $689586.43 | 59.960% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 59.2 |  | No | No | xxxxxx | $3252.42 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 850085 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12800.00 | $15761.75 | xxxxxx | 7.762% | $5518.20 | $6865.93 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24419.68 | 1 | xxxxxx | $2277.96 | xxxxxx | $189.83 |  |  |  |  |  | 34.750% | 31.149% | 34.750% | 09/10/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12800.00 | xxxxxx | 6.320% | $1525.00 | 2.4 |  |  |  | No | No | 9.177% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $300829.10 | 28.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.35 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850122 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15317.03 | $21682.42 | xxxxxx | 7.598% | $6017.51 | $6017.51 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27543.04 | 1 | xxxxxx | $4519.92 | xxxxxx | $376.66 |  |  |  |  |  | 30.252% | 30.252% | 30.252% | 09/21/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15317.03 | xxxxxx | 6.310% | $1200.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $55048.72 | 5.370% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.98 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850127 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6600.00 | $8278.90 | xxxxxx | 11.708% | $2360.17 | $2360.17 | 11.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10072.27 | 1 | xxxxxx | $1997.04 | xxxxxx | $166.42 | xxxxxx | xxxxxx | $107.00 |  | Monthly | 49.051% | 49.051% | 49.051% | 06/23/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6600.00 | xxxxxx | 6.670% | $0.00 | 2 |  |  |  | No | No | 11.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2485.25 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850130 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $525.00 | $3993.67 | xxxxxx | 7.773% | $5043.54 | $5043.54 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $280762.86 | 1 | xxxxxx | $1437.96 | xxxxxx | $119.83 |  |  |  |  |  | 11.433% | 11.433% | 11.433% | 09/22/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1996 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $525.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $143.85 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 78.83 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850132 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9140.00 | $3761.51 | xxxxxx | 7.386% | $1524.66 | $1524.66 | 7.250% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $8390.97 | 1 | xxxxxx | $1677.96 | xxxxxx | $139.83 | xxxxxx | xxxxxx | $90.00 |  | Annually | 31.421% | 31.421% | 31.421% | 09/25/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9140.00 | xxxxxx | 6.310% | $8000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30253.82 | 10.150% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.63 |  | No | Yes | xxxxxx | $0.00 | $11781.41 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850170 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $28619.00 | $4422.50 | xxxxxx | 7.148% | $9135.62 | $9135.62 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $88573.37 | 1 | xxxxxx | $6019.80 | xxxxxx | $501.65 |  |  |  |  |  | 25.493% | 25.493% | 25.493% | 09/19/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28619.00 | xxxxxx | 6.310% | $0.00 | 4.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1235109.50 | 72.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 76.68 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850172 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16195.00 | $24128.25 | xxxxxx | 7.836% | $7106.25 | $7106.25 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28658.21 | 1 | xxxxxx | $2808.00 | xxxxxx | $234.00 |  |  |  |  |  | 39.311% | 39.311% | 39.311% | 09/08/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16195.00 | xxxxxx | 6.540% | $0.00 | 2 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $56088.82 | 4.460% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.43 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850175 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19920.00 | $11812.22 | xxxxxx | 7.175% | $4524.06 | $4524.06 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13304.71 | 1 | xxxxxx | $2187.00 | xxxxxx | $182.25 |  |  |  |  |  | 42.309% | 42.309% | 42.309% | 09/10/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19920.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $208022.76 | 24.470% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.15 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850183 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11450.00 | $17869.69 | xxxxxx | 6.839% | $10215.42 | $10215.42 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $122085.49 | 1 | xxxxxx | $1715.04 | xxxxxx | $142.92 |  |  |  |  |  | 21.819% | 21.819% | 21.819% | 09/05/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11450.00 | xxxxxx | 6.310% | $0.00 | 3 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.95 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 6 | Mortgagor Focused |
| xxxxxx | 850189 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12325.00 | $13968.24 | xxxxxx | 7.046% | $5058.35 | $5058.35 | 6.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $31397.29 | 1 | xxxxxx | $1344.48 | xxxxxx | $112.04 |  |  |  |  |  | 29.263% | 29.263% | 29.263% | 09/29/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12325.00 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 124.9 |  | No | No | xxxxxx | $44385.62 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850190 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1275.00 | $2221.23 | xxxxxx | 7.023% | $5801.44 | $5801.44 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15049.22 | 1 | xxxxxx | $524.04 | xxxxxx | $43.67 |  |  |  |  |  | 36.675% | 36.675% | 36.675% | 08/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1275.00 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $305999.89 | 28.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850192 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7891.75 | $2966.10 | xxxxxx | 6.955% | $1880.79 | $1880.79 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4229.12 | 1 | xxxxxx | $1358.04 | xxxxxx | $113.17 | xxxxxx | xxxxxx | $1080.00 |  | Annually | 43.723% | 43.723% | 43.723% | 09/10/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7891.75 | xxxxxx | 6.310% | $0.00 | 2.2 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $23440.06 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 3.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850195 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6495.00 | $14474.33 | xxxxxx | 7.665% | $5425.90 | $5425.90 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40446.31 | 1 | xxxxxx | $1504.08 | xxxxxx | $125.34 |  |  |  |  |  | 17.435% | 17.435% | 17.435% | 09/16/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6495.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $248107.34 | 25.570% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.35 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850198 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9145.00 | $2873.00 | xxxxxx | 7.178% | $2304.12 | $2304.12 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3630.07 | 1 | xxxxxx | $2157.00 | xxxxxx | $179.75 | xxxxxx |  | $24.50 |  | Monthly | 49.930% | 49.930% | 49.930% | 09/09/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9145.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850202 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15512.50 | $22206.13 | xxxxxx | 7.917% | $3513.55 | $3513.55 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9260.45 | 1 | xxxxxx | $2712.96 | xxxxxx | $226.08 |  |  |  |  |  | 32.651% | 32.651% | 32.651% | 09/17/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15512.50 | xxxxxx | 6.310% | $0.00 | 4.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850212 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13279.00 | $7874.38 | xxxxxx | 7.241% | $3341.64 | $3341.64 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19515.89 | 1 | xxxxxx | $5640.96 | xxxxxx | $470.08 |  |  |  |  |  | 43.547% | 43.547% | 43.547% | 08/29/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13279.00 | xxxxxx | 6.220% | $0.00 | 4.3 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $671259.63 | 100.000% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.84 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 850233 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18236.40 | $12045.32 | xxxxxx | 7.243% | $1997.07 | $1997.07 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13264.60 | 1 | xxxxxx | $1046.16 | xxxxxx | $87.18 |  |  |  |  |  | 38.176% | 38.176% | 38.176% | 09/07/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18236.40 | xxxxxx | 6.310% | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14655.74 | 3.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.96 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850239 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1720.00 | $6028.11 | xxxxxx | 7.143% | $9647.65 | $9647.65 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21450.92 | 1 | xxxxxx | $10839.96 | xxxxxx | $903.33 |  |  |  |  |  | 41.849% | 41.849% | 41.849% | 10/02/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1720.00 | xxxxxx | 6.310% | $0.00 | 5 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $146237.51 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850275 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $819.52 | $819.52 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1070.04 | xxxxxx | $89.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $205801.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.97 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | Property Focused |
| xxxxxx | 850277 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1678.08 | $1678.08 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1656.96 | xxxxxx | $138.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $20940.06 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850280 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4033.29 | $4033.29 | 6.624% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4476.00 | xxxxxx | $373.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $399636.28 | 50.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 50.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850282 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $31800.50 | $33127.25 | xxxxxx | 7.297% | $5084.11 | $5084.11 | 6.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8216.63 | 1 | xxxxxx | $2757.00 | xxxxxx | $229.75 |  |  |  |  |  | 42.497% | 42.497% | 42.497% | 07/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $31800.50 | xxxxxx | 6.630% | $25000.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $26157.49 | 3.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850283 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1310.04 | $1310.04 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $919.92 | xxxxxx | $76.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.94 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850285 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2035.98 | $2035.98 | 6.624% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1829.40 | xxxxxx | $152.45 | xxxxxx | xxxxxx | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.19 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 63.6 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850292 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1684.13 | $1684.13 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2091.96 | xxxxxx | $174.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 115.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850294 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1132.05 | $1132.05 | 6.865% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $924.48 | xxxxxx | $77.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 850296 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14659.00 | $4779.61 | xxxxxx | 8.682% | $5002.29 | $5002.29 | 8.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9592.05 | 1 | xxxxxx | $1797.96 | xxxxxx | $149.83 | xxxxxx | xxxxxx | $850.00 |  | Monthly | 42.876% | 42.876% | 42.876% | 07/03/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14659.00 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $162547.47 | 20.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850297 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1247.61 | $1247.61 | 6.374% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $635.04 | xxxxxx | $52.92 | xxxxxx | xxxxxx | $287.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $363035.39 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 162.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Property Focused |
| xxxxxx | 850298 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $725.06 | $725.06 | 6.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1103.04 | xxxxxx | $91.92 | xxxxxx | xxxxxx | $191.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 93.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850299 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $985.30 | $985.30 | 6.874% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2126.04 | xxxxxx | $177.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $24534.28 | 12.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 59.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 850300 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2213.11 | $2213.11 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $1713.36 | xxxxxx | $142.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $203968.37 | 44.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.56 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 850301 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2039.56 | $2039.56 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1691.04 | xxxxxx | $140.92 | xxxxxx | xxxxxx | $145.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/22/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.02 |  |  |  |  |  |  |  | xxxxxx | $130727.33 | 31.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850302 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1869.60 | $1869.60 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2355.96 | xxxxxx | $196.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $3800.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | Property Focused |
| xxxxxx | 850303 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $799.28 | $799.28 | 8.249% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $588.12 | xxxxxx | $49.01 | xxxxxx | xxxxxx | $391.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/22/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $40474.25 | 30.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850305 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1105.10 | $1105.10 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4245.60 | xxxxxx | $353.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 81.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850307 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2619.49 | $2619.49 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2400.00 | xxxxxx | $200.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $134476.77 | 26.890% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 850309 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1256.52 | $1256.52 | 7.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1263.48 | xxxxxx | $105.29 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/30/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $90867.18 | 40.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 20.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850312 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1393.68 | $1393.68 | 8.624% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1728.60 | xxxxxx | $144.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.17 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.33 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Property Focused |
| xxxxxx | 850313 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10795.00 | $0.00 | xxxxxx | 5.988% | $2156.07 | $2156.07 | 5.990% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4575.27 | 1 | xxxxxx | $2637.96 | xxxxxx | $219.83 | xxxxxx | xxxxxx | $276.00 |  | Annually | 37.139% | 37.139% | 37.139% |  | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10795.00 | xxxxxx | 6.540% | $28500.00 | 1 |  |  |  | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $219941.89 | 41.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.6 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850315 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3336.17 | $3336.17 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3402.00 | xxxxxx | $283.50 | xxxxxx | xxxxxx | $760.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/08/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $1530212.46 | 81.610% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Trust | Business Entity |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850316 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $791.56 | $791.56 | 7.749% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $1360.44 | xxxxxx | $113.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 850317 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $840.01 | $840.01 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2401.20 | xxxxxx | $200.10 | xxxxxx | xxxxxx | $450.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/04/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $114526.88 | 69.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850318 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1109.01 | $1109.01 | 5.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2268.96 | xxxxxx | $189.08 | xxxxxx | xxxxxx | $335.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/20/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 5.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $90850.74 | 36.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850323 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1681.57 | $1681.57 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2441.52 | xxxxxx | $203.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 105.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850329 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $20526.25 | $9175.90 | xxxxxx | 8.051% | $12205.58 | $12205.58 | 7.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26339.50 | 1 | xxxxxx | $2058.12 | xxxxxx | $171.51 |  |  |  |  |  | 48.926% | 48.926% | 48.926% | 09/15/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20526.25 | xxxxxx | 6.320% | $12000.00 | 1.7 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $54000.00 | 2.910% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.96 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850334 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11585.00 | $12040.33 | xxxxxx | 7.626% | $3315.24 | $3315.24 | 7.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | Non-Permanent Resident Alien |  |  |  |  |  |  | $6464.83 | 1 | xxxxxx | $1734.00 | xxxxxx | $144.50 |  |  |  |  |  | 44.849% | 44.849% | 44.849% | 08/08/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Auto Allowance]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11585.00 | xxxxxx | 6.240% | $5000.00 | 2.5 |  |  |  | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $211933.93 | 35.320% | No | 31 | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.28 |  |  | No | xxxxxx | $0.00 | $4872.08 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | Yes | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850460 | xxxxxx | N/A |  |  | xxxxxx | No | No | $64599.00 | $34070.68 |  | 7.209% | $9048.11 | $9048.11 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42319.69 | 1 | xxxxxx | $7297.08 | xxxxxx | $608.09 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 29.329% | 29.329% | 29.329% | 09/10/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $64599.00 |  | 6.220% | $0.00 | 4.6 |  |  |  | No | No | 7.000% | 3 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $663207.58 | 39.010% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.91 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850509 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $12523.00 | $16814.75 | xxxxxx | 7.873% | $3146.47 | $3146.47 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5793.24 | 1 | xxxxxx | $804.00 | xxxxxx | $67.00 |  |  |  |  |  | 44.443% | 44.443% | 44.443% | 08/15/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12523.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $75073.08 | 15.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.39 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850542 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2218.13 | $4371.24 | xxxxxx | 7.874% | $1816.11 | $1816.11 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13443.95 | 1 | xxxxxx | $2028.00 | xxxxxx | $169.00 | xxxxxx | xxxxxx | $500.00 |  | Annually | 31.022% | 31.022% | 31.022% | 10/16/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 85.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2218.13 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $12056.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850550 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9813.94 | $9101.99 | xxxxxx | 7.525% | $1563.07 | $2044.82 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $186846.27 | 1 | xxxxxx | $990.96 | xxxxxx | $82.58 |  |  |  |  |  | 25.511% | 25.319% | 25.511% | 07/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9813.94 | xxxxxx | 6.320% | $0.00 | 1.5 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $987405.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 520.1 |  | No | No | xxxxxx | $250838.52 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 22 | Mortgagor Focused |
| xxxxxx | 850552 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10520.64 | $9789.82 | xxxxxx | 7.521% | $1703.52 | $2228.56 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $185240.90 | 1 | xxxxxx | $1389.00 | xxxxxx | $115.75 |  |  |  |  |  | 26.151% | 25.942% | 26.151% | 07/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10520.64 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $987405.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 485.61 |  | No | No | xxxxxx | $250838.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 18 | Mortgagor Focused |
| xxxxxx | 850553 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9855.25 | $9409.16 | xxxxxx | 7.571% | $1427.16 | $1867.02 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $186987.28 | 1 | xxxxxx | $902.04 | xxxxxx | $75.17 | xxxxxx |  | $40.00 |  | Monthly | 25.455% | 25.280% | 25.455% | 07/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9855.25 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $931612.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 528.37 |  | No | No | xxxxxx | $250838.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 23 | Mortgagor Focused |
| xxxxxx | 850594 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11006.47 | $11006.47 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3103.44 | xxxxxx | $258.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.43 | 2.32 |  |  |  |  |  |  |  | xxxxxx | $850440.17 | 42.520% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 850614 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8280.00 | $15549.02 |  | 7.479% | $6768.62 | $6768.62 | 7.375% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $28190.41 | 1 | xxxxxx | $1416.96 | xxxxxx | $118.08 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 36.858% | 36.858% | 36.858% | 10/08/2025 | 759 | 758 | 765 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8280.00 |  | 6.160% | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $432302.19 | 35.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 33.94 |  | Yes | No | xxxxxx | $44645.83 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850662 | xxxxxx | N/A |  |  | xxxxxx | No | No | $43866.10 | $18834.53 |  | 7.580% | $6283.76 | $6283.76 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $69419.54 | 1 | xxxxxx | $2958.00 | xxxxxx | $246.50 |  |  |  |  |  | 32.874% | 32.874% | 32.874% | 10/08/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $43866.10 |  | 6.240% | $0.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $875715.65 | 64.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.97 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850672 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6442.50 | $8952.52 | xxxxxx | 6.979% | $2456.57 | $2456.57 | 6.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8161.76 | 1 | xxxxxx | $1050.00 | xxxxxx | $87.50 | xxxxxx | xxxxxx | $480.00 |  | Monthly | 31.985% | 31.985% | 31.985% | 10/08/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6442.50 | xxxxxx | 6.290% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850723 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8044.66 | $8944.16 | xxxxxx | 8.340% | $1948.14 | $1948.14 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14304.84 | 1 | xxxxxx | $1044.84 | xxxxxx | $87.07 |  |  |  |  |  | 13.832% | 13.832% | 13.832% | 09/30/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2002 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8044.66 | xxxxxx | 6.310% | $25000.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $29843.47 | 10.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 17.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850746 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9260.00 | $12438.85 | xxxxxx | 7.194% | $4524.06 | $4524.06 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9236.86 | 1 | xxxxxx | $2022.96 | xxxxxx | $168.58 |  |  |  |  |  | 45.534% | 45.534% | 45.534% | 10/09/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9260.00 | xxxxxx | 6.240% | $5000.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $64020.98 | 7.530% | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850772 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6781.25 | $7842.64 | xxxxxx | 9.042% | $3508.79 | $3508.79 | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13565.41 | 1 | xxxxxx | $1682.52 | xxxxxx | $140.21 |  |  |  |  |  | 31.374% | 31.374% | 31.374% | 10/06/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6781.25 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.96 |  |  | No | xxxxxx | $9883.62 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850799 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $26876.00 | $32209.89 | xxxxxx | 7.439% | $6602.44 | $6602.44 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15308.15 | 1 | xxxxxx | $3455.04 | xxxxxx | $287.92 |  |  |  |  |  | 40.737% | 40.737% | 40.737% | 09/15/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26876.00 | xxxxxx | 6.290% | $8780.00 | 1.7 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $760557.72 | 54.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.98 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850812 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29046.00 | $30436.54 | xxxxxx | 7.289% | $4885.91 | $4885.91 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $44334.71 | 1 | xxxxxx | $3129.96 | xxxxxx | $260.83 | xxxxxx | xxxxxx | $115.00 |  | Monthly | 20.202% | 20.202% | 20.202% | 09/27/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29046.00 | xxxxxx | 6.310% | $0.00 | 1.2 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15000.00 | 1.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.6 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850813 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22645.00 | $9165.68 | xxxxxx | 7.284% | $3570.71 | $3570.71 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $57177.61 | 1 | xxxxxx | $3350.16 | xxxxxx | $279.18 | xxxxxx | xxxxxx | $350.00 |  | Annually | 31.317% | 31.317% | 31.317% | 07/30/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $22645.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14923.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 101.43 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 850817 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7530.00 | $3061.38 | xxxxxx | 6.973% | $1997.06 | $1997.06 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5189.15 | 1 | xxxxxx | $288.00 | xxxxxx | $24.00 | xxxxxx | xxxxxx | $490.00 |  | Monthly | 33.606% | 33.606% | 33.606% | 10/02/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7530.00 | xxxxxx | 6.290% | $0.00 | 1.9 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $112568.34 | 29.620% | No | 33 | 33 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.02 |  |  | No | xxxxxx | $0.00 | $4000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850819 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19480.00 | $9108.66 | xxxxxx | 7.462% | $2974.29 | $2974.29 | 7.250% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $69887.45 | 1 | xxxxxx | $3318.00 | xxxxxx | $276.50 |  |  |  |  |  | 17.165% | 17.165% | 17.165% | 08/07/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19480.00 | xxxxxx | 6.310% | $7500.00 | 1.1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $523824.44 | 96.110% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 115.81 |  | No | No | xxxxxx | $0.00 | $84368.95 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850855 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5959.00 | $7338.03 | xxxxxx | 7.116% | $3389.62 | $3389.62 | 6.990% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8664.15 | 1 | xxxxxx | $5267.04 | xxxxxx | $438.92 |  |  |  |  |  | 46.674% | 46.674% | 46.674% | 10/21/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5959.00 | xxxxxx | 6.310% | $0.00 | 4.1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $1688816.84 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 198.1 |  | No | No | xxxxxx | $1463.60 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850865 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $339.08 | $1920.19 | xxxxxx | 8.404% | $3222.71 | $3222.71 | 8.375% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6629.44 | 1 | xxxxxx | $1349.52 | xxxxxx | $112.46 | xxxxxx | xxxxxx | $0.00 |  | Annually | 45.849% | 45.849% | 45.849% | 08/28/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $339.08 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | No | No | 8.375% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $176840.67 | 33.360% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 16.18 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850883 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12049.38 | $13551.67 |  | 8.046% | $6009.01 | $6009.01 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $151699.18 | 1 | xxxxxx | $3411.00 | xxxxxx | $284.25 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 28.130% | 28.130% | 28.130% | 09/23/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2008<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12049.38 | xxxxxx | 6.240% | $0.00 | 3.3 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4200465.39 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 603.03 |  | No | No | xxxxxx | $105536.72 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | Mortgagor Focused |
| xxxxxx | 850964 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28071.25 | $6632.45 | xxxxxx | 7.967% | $5392.70 | $5392.70 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22784.45 | 1 | xxxxxx | $7988.52 | xxxxxx | $665.71 |  |  |  |  |  | 26.737% | 26.737% | 26.737% | 10/07/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28071.25 | xxxxxx | 6.290% | $14000.00 | 1 |  |  |  | N/A | No | 7.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $300886.75 | 34.380% | No | 21 |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.73 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850969 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13226.60 | $17664.60 | xxxxxx | 6.726% | $4550.89 | $4550.89 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34102.30 | 1 | xxxxxx | $1744.32 | xxxxxx | $145.36 |  |  |  |  |  | 28.948% | 28.948% | 28.948% | 08/28/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13226.60 | xxxxxx | 6.290% | $25000.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $171665.71 | 19.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.04 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 850982 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8091.00 | $10292.05 | xxxxxx | 6.840% | $6635.16 | $6635.16 | 6.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $16206.63 | 1 | xxxxxx | $3516.48 | xxxxxx | $293.04 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 35.627% | 35.627% | 35.627% | 09/16/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8091.00 | xxxxxx | 6.290% | $0.00 | 1.7 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.86 |  |  | No | xxxxxx | $25175.92 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850989 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14779.68 | $16053.29 | xxxxxx | 7.616% | $4586.08 | $4586.08 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26721.31 | 1 | xxxxxx | $12249.24 | xxxxxx | $1020.77 | xxxxxx | xxxxxx | $350.00 |  | Annually | 22.916% | 22.916% | 22.916% | 09/18/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $14779.68 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $31049.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.84 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851003 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8955.00 | $5519.28 | xxxxxx | 7.691% | $1243.22 | $1243.22 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10382.83 | 1 | xxxxxx | $665.04 | xxxxxx | $55.42 | xxxxxx | xxxxxx | $390.00 |  | Monthly | 21.713% | 21.713% | 21.713% | 08/23/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8955.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $56257.81 | 25.000% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.17 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851042 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $13168.75 | $21242.21 | xxxxxx | 7.997% | $5390.49 | $5390.49 | 7.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34787.42 | 1 | xxxxxx | $5322.12 | xxxxxx | $443.51 |  |  |  |  |  | 23.802% | 23.802% | 23.802% | 08/19/2025 | 627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13168.75 | xxxxxx | 6.310% | $7000.00 | 1 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $239934.52 | 22.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.8 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851044 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19041.25 | $0.00 | xxxxxx | 7.203% | $4481.45 | $4481.45 | 7.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6975.71 | 1 | xxxxxx | $1647.00 | xxxxxx | $137.25 |  |  |  |  |  | 46.402% | 46.402% | 46.402% | 09/08/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19041.25 | xxxxxx | 6.320% | $33500.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21900.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851075 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $24945.00 | $27635.33 |  | 7.105% | $15967.26 | $15967.26 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42799.01 | 1 | xxxxxx | $2412.96 | xxxxxx | $201.08 |  |  |  |  |  | 33.517% | 33.517% | 33.517% | 10/08/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2007 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24945.00 |  | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $231170.29 | 7.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.32 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851084 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3647.29 | $3647.29 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1274.04 | xxxxxx | $106.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  | 120 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 105.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851085 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16762.00 | $12044.12 |  | 7.438% | $2371.49 | $2371.49 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14859.58 | 1 | xxxxxx | $782.04 | xxxxxx | $65.17 | xxxxxx | xxxxxx | $565.00 |  | Monthly | 33.688% | 33.688% | 33.688% | 09/02/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16762.00 |  | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $843969.60 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 208.95 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851305 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16555.00 | $5698.50 |  | 7.205% | $4284.85 | $4284.85 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12024.16 | 1 | xxxxxx | $2400.00 | xxxxxx | $200.00 |  |  |  |  |  | 33.737% | 33.737% | 33.737% | 09/09/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16555.00 |  | 6.240% | $0.00 | 2 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $39834.50 | 5.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.07 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851330 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $28910.00 | $30226.33 | xxxxxx | 7.346% | $9270.37 | $9270.37 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27161.17 | 1 | xxxxxx | $4600.80 | xxxxxx | $383.40 |  |  |  |  |  | 31.234% | 31.234% | 31.234% | 09/09/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28910.00 | xxxxxx | 6.290% | $0.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $131586.77 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851354 | xxxxxx | N/A |  |  | xxxxxx | No | No | $17884.56 | $6382.15 |  | 7.095% | $3122.20 | $4152.39 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10617.87 | 1 | xxxxxx | $1611.96 | xxxxxx | $134.33 | xxxxxx | xxxxxx | $80.00 |  | Monthly | 48.419% | 43.414% | 48.419% | 10/15/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17884.56 |  | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $187768.68 | 28.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.8 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851449 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14000.00 | $16456.69 | xxxxxx | 6.880% | $7167.01 | $7167.01 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21234.06 | 1 | xxxxxx | $1599.96 | xxxxxx | $133.33 |  |  |  |  |  | 35.054% | 35.054% | 35.054% | 09/17/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14000.00 | xxxxxx | 6.310% | $0.00 | 3.6 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $50728.47 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851465 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3274.27 | $3274.27 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1332.00 | xxxxxx | $111.00 | xxxxxx |  | $450.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/04/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $20000.00 | 2.870% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851489 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $28397.19 | $34017.06 | xxxxxx | 8.203% | $8166.09 | $8166.09 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $20018.28 | 1 | xxxxxx | $4041.00 | xxxxxx | $336.75 |  |  |  |  |  | 36.258% | 36.258% | 36.258% | 09/29/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28397.19 | xxxxxx | 6.310% | $230500.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $13000.00 | 0.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851519 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15550.00 | $7421.67 | xxxxxx | 9.202% | $3066.14 | $3066.14 | 8.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9845.33 | 1 | xxxxxx | $1782.72 | xxxxxx | $148.56 | xxxxxx |  | $2370.00 |  | Annually | 38.785% | 38.785% | 38.785% | 08/27/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15550.00 | xxxxxx | 6.240% | $37713.45 | 1.5 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $68112.91 | 16.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851593 | xxxxxx | N/A |  |  | xxxxxx | No | No | $88220.00 | $24002.71 | xxxxxx | 6.634% | $8650.33 | $8650.33 | 6.490% | No | No | Not Employed | Self-Employed | Employed |  | 7.8 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $103133.03 | 1 | xxxxxx | $7191.00 | xxxxxx | $599.25 | xxxxxx | xxxxxx | $1334.00 |  | Annually | 15.698% | 15.698% | 15.698% | 09/22/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $88220.00 | xxxxxx | 6.310% | $0.00 | 3 |  |  |  | N/A | No | 6.490% | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $123932.09 | 7.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 17.19 |  | No | No | xxxxxx | $114337.84 | $8000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851594 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $24474.69 | $30039.01 | xxxxxx | 9.229% | $9556.40 | $9556.40 | 8.990% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21635.73 | 1 | xxxxxx | $15131.88 | xxxxxx | $1260.99 | xxxxxx | xxxxxx | $550.00 |  | Monthly | 44.544% | 44.544% | 44.544% |  | 611 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Personal | 57.000% |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24474.69 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1996933.42 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 131.83 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851596 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14299.53 | $5267.69 | xxxxxx | 9.209% | $3699.35 | $3699.35 | 9.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17900.26 | 1 | xxxxxx | $4707.96 | xxxxxx | $392.33 | xxxxxx | xxxxxx | $352.00 |  | Annually | 24.396% | 24.396% | 24.396% | 09/28/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14299.53 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 9.124% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $33974.43 | 6.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.78 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851598 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8432.50 | $4262.37 | xxxxxx | 9.058% | $1689.80 | $1689.80 | 8.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4293.20 | 1 | xxxxxx | $1353.96 | xxxxxx | $112.83 |  |  |  |  |  | 43.891% | 43.891% | 43.891% | 09/19/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  | Audited | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8432.50 | xxxxxx | 6.320% | $7600.00 | 1 |  |  |  | Yes | No | 8.874% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $36512.69 | 15.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851612 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18493.77 | $18800.53 | xxxxxx | 7.650% | $9438.70 | $9438.70 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16526.23 | 1 | xxxxxx | $5208.12 | xxxxxx | $434.01 |  |  |  |  |  | 46.936% | 46.936% | 46.936% | 10/03/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18493.77 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5199.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.1 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851627 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13006.38 | $23447.17 | xxxxxx | 6.940% | $13138.58 | $13138.58 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $448821.81 | 1 | xxxxxx | $6225.00 | xxxxxx | $518.75 | xxxxxx | xxxxxx | $1097.86 |  | Monthly | 9.555% | 9.555% | 9.555% | 10/09/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13006.38 | xxxxxx | 6.240% | $0.00 | 1.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $190147.21 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.6 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Mortgagor Focused |
| xxxxxx | 851638 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11857.50 | $6332.81 | xxxxxx | 7.825% | $2316.26 | $2316.26 | 7.625% | No | No | Not Employed | Employed | Self-Employed |  | 3.22 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $7430.57 | 1 | xxxxxx | $2497.32 | xxxxxx | $208.11 |  |  |  |  |  | 43.507% | 43.507% | 43.507% | 09/25/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11857.50 | xxxxxx | 6.240% | $20000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $80033.60 | 20.780% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 7.66 |  | No | No | xxxxxx | $3575.72 | $8951.20 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851667 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11043.00 | $15204.31 | xxxxxx | 7.082% | $3015.33 | $3015.33 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21654.06 | 1 | xxxxxx | $1937.76 | xxxxxx | $161.48 | xxxxxx | xxxxxx | $395.90 |  | Monthly | 31.228% | 31.228% | 31.228% | 09/30/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11043.00 | xxxxxx | 6.240% | $22000.00 | 1.1 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $383100.95 | 48.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851717 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13356.51 | $3253.77 | xxxxxx | 7.706% | $2797.55 | $2797.55 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17439.14 | 1 | xxxxxx | $1769.04 | xxxxxx | $147.42 |  |  |  |  |  | 26.576% | 26.576% | 26.576% | 10/09/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13356.51 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.49 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851777 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9623.00 | $11978.10 | xxxxxx | 7.929% | $3781.63 | $3781.63 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7868.95 | 3 | xxxxxx | $3621.36 | xxxxxx | $301.78 |  |  |  |  |  | 42.168% | 42.168% | 42.168% | 09/22/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9623.00 | xxxxxx | 5.820% | $5000.00 |  | DU |  | ApproveEligible | N/A | No | 7.625% | 1 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $233409.64 | 37.640% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.28 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851795 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6808.75 | $6917.31 | xxxxxx | 7.209% | $6189.79 | $6189.79 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23791.28 | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 |  |  |  |  |  | 26.747% | 26.747% | 26.747% | 09/16/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6808.75 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $182269.41 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 146.46 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851839 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20200.00 | $1389.71 | xxxxxx | 6.892% | $9853.93 | $9853.93 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43438.57 | 1 | xxxxxx | $7317.96 | xxxxxx | $609.83 | xxxxxx | xxxxxx | $200.00 |  | Monthly | 28.986% | 28.986% | 28.986% | 09/19/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20200.00 | xxxxxx | 6.220% | $0.00 | 3 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $184101.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.08 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 851842 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1845.00 | $12624.72 | xxxxxx | 6.917% | $10510.86 | $10510.86 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $16170.08 | 1 | xxxxxx | $2566.92 | xxxxxx | $213.91 | xxxxxx | xxxxxx | $27.50 |  | Monthly | 47.089% | 47.089% | 47.089% | 09/17/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1845.00 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $595761.39 | 29.780% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.59 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851844 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $22700.00 | $26662.50 |  | 7.107% | $6569.29 | $6569.29 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21708.35 | 1 | xxxxxx | $3408.00 | xxxxxx | $284.00 |  |  |  |  |  | 28.519% | 28.519% | 28.519% | 09/24/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22700.00 |  | 6.310% | $0.00 | 2.4 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35397.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.43 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851845 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10450.00 | $12856.17 | xxxxxx | 7.221% | $2312.39 | $2312.39 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7624.39 | 1 | xxxxxx | $2459.04 | xxxxxx | $204.92 | xxxxxx | xxxxxx | $900.00 |  | Annually | 44.029% | 44.029% | 44.029% | 09/23/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10450.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $174224.29 | 39.590% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.72 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851847 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16325.00 | $3633.11 |  | 7.044% | $4657.12 | $4657.12 | 7.000% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $8895.52 | 1 | xxxxxx | $2504.04 | xxxxxx | $208.67 |  |  |  |  |  | 41.321% | 41.321% | 41.321% | 08/29/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $16325.00 |  | 6.220% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $114029.32 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0.84 |  |  | No | xxxxxx | $15159.63 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851868 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14230.00 | $17616.82 | xxxxxx | 7.216% | $5003.07 | $5003.07 | 7.000% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15979.27 | 1 | xxxxxx | $684.96 | xxxxxx | $57.08 | xxxxxx | xxxxxx | $633.00 |  | Monthly | 48.795% | 48.795% | 48.795% | 08/28/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14230.00 | xxxxxx | 6.310% | $12164.00 | 1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $766699.26 | 81.560% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 105.69 |  | Yes | No | xxxxxx | $21861.60 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851875 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7807.00 | $10020.67 | xxxxxx | 7.752% | $2712.95 | $2712.95 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13216.53 | 1 | xxxxxx | $1533.96 | xxxxxx | $127.83 |  |  |  |  |  | 34.002% | 34.002% | 34.002% | 10/06/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7807.00 | xxxxxx | 6.290% | $1500.00 | 1.2 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.35 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851876 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9575.00 | $2456.58 | xxxxxx | 7.155% | $4379.17 | $4379.17 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14034.59 | 1 | xxxxxx | $927.96 | xxxxxx | $77.33 | xxxxxx | xxxxxx | $150.00 |  | Annually | 38.500% | 38.500% | 38.500% | 10/15/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2014<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9575.00 | xxxxxx | 6.290% | $0.00 | 4 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5020.72 |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851891 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12462.50 | $13430.64 | xxxxxx | 6.992% | $7365.81 | $7365.81 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $25483.89 | 1 | xxxxxx | $2943.96 | xxxxxx | $245.33 | xxxxxx | xxxxxx | $2700.00 |  | Annually | 43.408% | 43.408% | 43.408% | 09/19/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12462.50 | xxxxxx | 6.290% | $570000.00 | 1.8 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $228156.43 | 13.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 17.27 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 852129 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7725.00 | $14972.69 | xxxxxx | 7.413% | $4775.23 | $4775.23 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26851.16 | 1 | xxxxxx | $4128.96 | xxxxxx | $344.08 | xxxxxx | xxxxxx | $345.00 |  | Monthly | 25.051% | 25.051% | 25.051% | 10/10/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7725.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $314634.13 | 31.460% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.82 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852152 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8841.00 | $10997.82 | xxxxxx | 7.793% | $1795.58 | $1795.58 | 7.374% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $2587.73 | 1 | xxxxxx | $1421.04 | xxxxxx | $118.42 |  |  |  |  |  | 44.660% | 44.660% | 44.660% | 08/05/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8841.00 | xxxxxx | 6.630% | $0.00 | 2.5 |  |  |  | N/A | No | 7.374% | 1 | 0 | 1 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6070.83 |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Passport | Passport |  |  | No | 76.76 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852159 | xxxxxx | N/A |  |  | xxxxxx | No | No | $58000.00 | $32372.55 | xxxxxx | 7.022% | $7263.56 | $7263.56 | 6.749% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $7449.53 | 2 | xxxxxx | $3515.76 | xxxxxx | $292.98 |  |  |  |  |  | 47.341% | 47.341% | 47.341% | 08/13/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $58000.00 | xxxxxx | 6.240% | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $609079.04 | 38.060% | No |  | 1 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.04 |  | No | No | xxxxxx | $0.00 | $14146.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852161 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10725.00 | $3340.71 | xxxxxx | 7.744% | $3160.00 | $3160.00 | 7.624% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11935.73 | 1 | xxxxxx | $2099.04 | xxxxxx | $174.92 |  |  |  |  |  | 32.108% | 32.108% | 32.108% | 09/10/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 83.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10725.00 | xxxxxx | 6.320% | $0.00 | 1.9 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35499.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.51 |  |  | No | xxxxxx | $2999.80 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852164 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20385.49 | $23373.50 | xxxxxx | 7.018% | $3662.30 | $3662.30 | 6.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29910.05 | 1 | xxxxxx | $3756.84 | xxxxxx | $313.07 | xxxxxx | xxxxxx | $1100.00 |  | Annually | 19.359% | 19.359% | 19.359% | 08/28/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20385.49 | xxxxxx | 6.310% | $25000.00 |  |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $158836.70 | 24.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852166 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16972.80 | $19064.44 | xxxxxx | 7.072% | $3579.38 | $3579.38 | 6.749% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $18358.95 | 1 | xxxxxx | $5468.28 | xxxxxx | $455.69 | xxxxxx | xxxxxx | $300.00 |  | Monthly | 30.237% | 30.237% | 30.237% | 08/08/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16972.80 | xxxxxx | 6.310% | $3800.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $323282.00 | 46.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.5 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852169 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19065.00 | $336.96 | xxxxxx | 7.479% | $4386.77 | $4386.77 | 7.490% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12893.42 | 1 | xxxxxx | $1875.00 | xxxxxx | $156.25 |  |  |  |  |  | 37.686% | 37.686% | 37.686% | 09/23/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19065.00 | xxxxxx | 6.220% | $10000.00 | 2.2 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $44657.74 | 5.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.9 |  | Yes | No | xxxxxx | $20690.97 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852172 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32279.00 | $12209.19 | xxxxxx | 7.137% | $2832.39 | $2832.39 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12867.32 | 1 | xxxxxx | $1420.80 | xxxxxx | $118.40 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 16.460% | 16.460% | 16.460% | 08/27/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $32279.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $203807.26 | 37.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.91 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852249 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3211.25 | $6074.92 | xxxxxx | 7.068% | $4051.69 | $4051.69 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11477.15 | 1 | xxxxxx | $3359.76 | xxxxxx | $279.98 |  |  |  |  |  | 37.961% | 37.961% | 37.961% | 09/22/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3211.25 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852270 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1450.00 | $2545.62 | xxxxxx | 8.266% | $1113.75 | $1113.75 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8366.91 | 1 | xxxxxx | $1559.04 | xxxxxx | $129.92 | xxxxxx | xxxxxx | $249.00 |  | Monthly | 48.527% | 48.527% | 48.527% | 10/16/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.160% | $0.00 | 2.8 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $2423.79 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852276 | xxxxxx | N/A |  |  | xxxxxx | No | No | $40392.00 | $3718.72 |  | 7.277% | $8950.15 | $8950.15 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $151127.82 | 4 | xxxxxx | $7856.04 | xxxxxx | $654.67 |  |  |  |  |  | 27.042% | 27.042% | 27.042% | 08/14/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $40392.00 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $147154.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 43.59 |  | No | No | xxxxxx | $207143.04 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | Mortgagor Focused |
| xxxxxx | 852393 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7400.00 | $11173.58 | xxxxxx | 6.603% | $1693.22 | $1693.22 | 6.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4280.34 | 1 | xxxxxx | $2285.04 | xxxxxx | $190.42 |  |  |  |  |  | 47.156% | 47.156% | 47.156% | 10/13/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7400.00 | xxxxxx | 6.160% | $8000.00 | 2.5 |  |  |  | Yes | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $97612.07 | 20.540% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852396 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8550.00 | $9206.39 | xxxxxx | 7.588% | $1910.09 | $1910.09 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4677.79 | 1 | xxxxxx | $2349.00 | xxxxxx | $195.75 | xxxxxx | xxxxxx | $800.00 |  | Annually | 33.174% | 33.174% | 33.174% | 09/30/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8550.00 | xxxxxx | 6.290% | $5000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $32437.56 | 9.260% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852400 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $21780.00 | $37377.39 |  | 7.788% | $12627.04 | $12627.04 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27964.94 | 1 | xxxxxx | $8544.00 | xxxxxx | $712.00 |  |  |  |  |  | 39.378% | 39.378% | 39.378% | 10/17/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21780.00 |  | 6.160% | $6000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $617589.46 | 27.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.04 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852404 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8581.25 | $3978.35 | xxxxxx | 7.675% | $4037.96 | $4037.96 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11805.98 | 1 | xxxxxx | $1602.12 | xxxxxx | $133.51 | xxxxxx |  | $13.00 |  | Monthly | 36.205% | 36.205% | 36.205% | 09/29/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8581.25 | xxxxxx | 6.310% | $0.00 | 2.1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.56 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852412 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16920.00 | $17959.62 | xxxxxx | 7.507% | $3206.90 | $3206.90 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6373.05 | 1 | xxxxxx | $1137.12 | xxxxxx | $94.76 | xxxxxx | xxxxxx | $84.00 |  | Monthly | 44.231% | 44.231% | 44.231% | 08/03/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16920.00 | xxxxxx | 6.540% | $30000.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $29511.50 | 4.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.07 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852413 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15850.00 | $8466.02 | xxxxxx | 7.357% | $5184.54 | $5184.54 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18401.45 | 2 | xxxxxx | $1748.04 | xxxxxx | $145.67 |  |  |  |  |  | 39.122% | 39.122% | 39.122% | 09/30/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15850.00 | xxxxxx | 6.310% | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $36672.50 | 3.860% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.77 |  | Yes | No | xxxxxx | $30226.67 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 852414 | xxxxxx | N/A |  |  | xxxxxx | No | No | $67450.00 | $23202.68 | xxxxxx | 7.317% | $5937.50 | $7828.20 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $168788.25 | 1 | xxxxxx | $1317.00 | xxxxxx | $109.75 |  |  |  |  |  | 7.609% | 6.574% | 7.609% | 10/20/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $67450.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $1045771.94 | 83.660% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 101.8 |  | No | No | xxxxxx | $182688.95 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852732 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27505.00 | $3011.91 | xxxxxx | 7.334% | $2330.08 | $2330.08 | 7.249% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $3772.12 | 1 | xxxxxx | $3984.00 | xxxxxx | $332.00 |  |  |  |  |  | 38.633% | 38.633% | 38.633% | 10/10/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024 |  | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27505.00 | xxxxxx | 6.160% | $0.00 | 3.1 |  |  |  | No | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5698.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.03 |  | No | No | xxxxxx | $6146.81 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852923 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $24450.00 | $30183.28 |  | 7.548% | $6276.02 | $6276.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $13658.04 | 1 | xxxxxx | $3114.12 | xxxxxx | $259.51 |  |  |  |  |  | 38.448% | 38.448% | 38.448% | 10/13/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24450.00 |  | 6.160% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $65150.73 | 5.660% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 4.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852932 | xxxxxx | N/A |  |  | xxxxxx | No | No | $41310.00 | $11262.42 |  | 7.236% | $5120.26 | $5120.26 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | $14871.60 | 3 | xxxxxx | $4423.80 | xxxxxx | $368.65 |  |  |  |  |  | 23.835% | 23.835% | 23.835% | 10/15/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $41310.00 |  | 6.160% | $15000.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $365666.50 | 36.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 16.89 |  | No | No | xxxxxx | $19525.57 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852949 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12840.00 | $17575.50 |  | 7.410% | $6276.02 | $6276.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15821.49 | 1 | xxxxxx | $2113.08 | xxxxxx | $176.09 |  |  |  |  |  | 41.606% | 41.606% | 41.606% | 10/20/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12840.00 |  | 6.160% | $25000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $254614.33 | 22.140% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.56 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852950 | xxxxxx | N/A |  |  | xxxxxx | No | No | $4335.00 | $7024.92 | xxxxxx | 7.126% | $2714.43 | $2714.43 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14982.47 | 1 | xxxxxx | $461.04 | xxxxxx | $38.42 | xxxxxx | xxxxxx | $325.00 |  | Monthly | 37.698% | 37.698% | 37.698% | 09/16/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4335.00 | xxxxxx | 6.160% | $1750.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $147147.88 | 28.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.58 | Retail | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 853272 | xxxxxx | N/A |  |  | xxxxxx | No | No | $53180.00 | $18290.00 |  | 8.032% | $8700.83 | $8700.83 | 7.875% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $41512.08 | 1 | xxxxxx | $1167.00 | xxxxxx | $97.25 |  |  |  |  |  | 39.472% | 39.472% | 39.472% | 08/26/2025 | 791 | 777 | 784 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $53180.00 |  | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $735908.34 | 49.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 39.54 |  | No | No | xxxxxx | $68583.33 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 853856 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17030.00 | $4855.56 | xxxxxx | 7.054% | $4364.38 | $4364.38 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11119.33 | 1 | xxxxxx | $3228.96 | xxxxxx | $269.08 |  |  |  |  |  | 35.674% | 35.674% | 35.674% | 10/01/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17030.00 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24600.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**AMC TAX A** **ND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 838307 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 844720 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844749 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846530 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - Title Policy Coverage | This Prior Lien was recorded on xxxxxx by xxxxxxk IAO $xxxxxx. Covered by Title Policy. |
| 846575 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | The subject property has been transferred into a Land Trust. A Warranty Deed recorded on xxxxxx granted ownership from xxxxxx and xxxxxx to xxxxxxandxxxxxx, Trustees of The xxxxxx Family Trust under agreement dated xxxxxx. |
| 846576 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | This Prior Mortgage was recorded on xxxxxx by xxxxxxIAO $xxxxxx. Covered by Title Policy. |
| 846577 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | This Prior Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 846578 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846580 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846582 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846584 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 279 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy<br>Subordinate Liens/Judgments<br>Subordinate Mortgage | Client Address of xxxxxx. vs County Address of xxxxxx.<br>Subordinate Liens/Judgments were identified totaling $0.00<br>A Subordinate Mortgage was recorded on xxxxxx by Fxxxxxx IAO $xxxxxx |
| 846585 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846586 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 846590 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846591 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846592 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846594 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | A Subordinate Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. |
| 846596 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 19 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 205 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | A Subordinate Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. |
| 846597 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | Client Address of "xxxxxx " vs County Address of "xxxxxx" |
| 846598 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846600 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846601 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846602 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846603 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | The subject property has been transferred into a Land Trust. A Warranty Deed recorded on xxxxxx granted ownership from xxxxxx and xxxxxx to xxxxxx, xxxxxx and xxxxxx, Co-Trustees. |
| 846604 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | A Subordinate Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx |
| 846605 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846606 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846609 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846611 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3415 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846612 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846613 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846614 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846615 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 33 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846616 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 33 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846617 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846621 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 19 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0875 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | The subject property has been transferred into a Land Trust. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxxand xxxxxx, wife and husband to xxxxxx and xxxxxx, Trustees of the xxxxxx and xxxxxxTrust dated xxxxxx, and any amendments thereto. |
| 846622 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846623 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 190 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | The subject property has been transferred into a Land Trust. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx one and the same person as xxxxxx and xxxxxx to xxxxxx, as Trustee of the xxxxxx Revocable Living Trust dated the xxxxxx. |
| 846624 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846625 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846626 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846627 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 846628 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | Client Address of xxxxxx vs County Address of xxxxxx |
| 846629 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 846530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | No | No |  |  | xxxxxx | 300 | xxxxxx | xxxxxx | Prior Lien - Title Policy Coverage - This Prior Lien was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 846575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Land Trust - The subject property has been transferred into a Land Trust. A Warranty Deed recorded on xxxxx granted ownership from xxxxxx and xxxxxx to xxxxxx and xxxxxx, Trustees of xxxxxx under agreement datedxxxxxx. |
| 846576 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | No | No | Not Reporting |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Mortgage - Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxxIAO $xxxxxx. Covered by Title Policy. |
| 846577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | No | No | Not Reporting |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Mortgage - Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxx, LLC IAO $xxxxxx Covered by Title Policy. |
| 846584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Address Discrepancy - Client Address of xxxxxx vs County Address of xxxxxx |
| 846584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | Subordinate Liens/Judgments - Subordinate Liens/Judgments were identified totaling $0.00 |
| 846584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded on xxxxxx by xxxxxxIAO $xxxxxx |
| 846594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded on xxxxxx by Fxxxxxx IAO $xxxxxx |
| 846596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded onxxxxxx by xxxxxx IAO $xxxxxx |
| 846597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Address Discrepancy - Client Address of "xxxxxx " vs County Address of "xxxxxx" |
| 846603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Land Trust - The subject property has been transferred into a Land Trust. A Warranty Deed recorded on xxxxxx granted ownership from xxxxxx andxxxxxx/xxxxxx, xxxxxx and xxxxxx, Co-Trustees. |
| 846604 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx |
| 846621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Land Trust - The subject property has been transferred into a Land Trust. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx and xxxxxx wife and husband to xxxxxx and xxxxxxTrustees of the xxxxxxand xxxxxxTrust dated xxxxxx and any amendments thereto. |
| 846623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Land Trust - The subject property has been transferred into a Land Trust. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx one and the same person as xxxxxx and xxxxxx to xxxxxx, as Trustee of the xxxxxx Revocable Living Trust xxxxxx |
| 846628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Address Discrepancy - Client Address of xxxxxx Rd vs County Address of xxxxxx |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**AMC MULTI** **PROPERTY VALUATION**

![](tm2534371d1_ex99-9img01.jpg)

**Multi Property Valuation Report** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 844085-1 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/16/2025 | 07/15/2025 | Desk Review | xxxxxx |  | N/A |  |
| xxxxxx | 844085-2 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/16/2025 | 07/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/16/2025 | 07/14/2025 | Desk Review | xxxxxx |  | N/A |  |
| xxxxxx | 844085-3 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/16/2025 | 07/15/2025 | Desk Review | xxxxxx |  | N/A |  |
| xxxxxx | 844085-4 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/16/2025 | 07/15/2025 | Desk Review | xxxxxx |  | N/A |  |
| xxxxxx | 844085-5 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/16/2025 | 07/15/2025 | Desk Review | xxxxxx |  | N/A |  |

---

## Exhibit 99.10

**EXHIBIT 99.10**

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

![](tm2534371d1_ex99-10img01.jpg)

**NARRATIVE**

**Verus 2026-1**

**By Canopy Financial Technology Partners LLC on December 29, 2025**

Canopy Financial Technology Partners LLC

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

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

![](tm2534371d1_ex99-10img01.jpg)

**Description of Services**

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

The Review consisted of a population of four hundred sixty-two (462) Loans with an aggregate principal balance of $244,509,630.

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

**Data Integrity**

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

---

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

---

![](tm2534371d1_ex99-10img01.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

![](tm2534371d1_ex99-10img01.jpg)

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

![](tm2534371d1_ex99-10img01.jpg)

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](tm2534371d1_ex99-10img01.jpg)

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

![](tm2534371d1_ex99-10img01.jpg)

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

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

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

**Compliance Review**

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

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

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

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

![](tm2534371d1_ex99-10img01.jpg)

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

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

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

i. Initial and final application (1003)

ii. Note, including all addendums

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

iv. Mortgage / Deed of Trust, including all riders

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

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

vii. Notice of Right to Cancel (as applicable)

viii. Rate Lock Date Information;

ix. HOEPA Disclosures (if applicable)

x. Initial Escrow Account Disclosure

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

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

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

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

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

![](tm2534371d1_ex99-10img01.jpg)

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

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

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

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

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

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

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

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

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

![](tm2534371d1_ex99-10img01.jpg)

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm2534371d1_ex99-10img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

![](tm2534371d1_ex99-10img01.jpg)

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

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

**Ability to Repay (ATR)**

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

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

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

![](tm2534371d1_ex99-10img01.jpg)

**VALUATION REVIEW**

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

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

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

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

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:** 

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

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

![](tm2534371d1_ex99-10img01.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

![](tm2534371d1_ex99-10img01.jpg)

---

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 81.17% (375 loans) have an overall grade of "A", 18.61% (86 loans) have an overall grade of "B", and 0.22% (1 loan) has an overall grade of "C".

Canopy's review concluded a Credit grade of "A" for 377 Loans reviewed (81.60%), and 85 Loans (18.40%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 459 Loans reviewed (99.35%), 2 loans (0.43%) have a Compliance grade of "B", and 1 loan (0.22%) has a Compliance grade of "C".

Canopy's review concluded a Property/Valuation grade of "A" for 462 Loans reviewed (100.00%), and 0 loans (0.00%) have a Property grade of "B".

![](tm2534371d1_ex99-10img01.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;375 | &nbsp;&nbsp;81.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;86 | &nbsp;&nbsp;18.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;377 | &nbsp;&nbsp;81.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;18.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;459 | &nbsp;&nbsp;99.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;462 | &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;**Grand Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** |

---

![](tm2534371d1_ex99-10img01.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;412 | &nbsp;&nbsp;89.18% | &nbsp;&nbsp;$212970963.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;50 | &nbsp;&nbsp;10.82% | &nbsp;&nbsp;$31538667.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$244509630.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;450 | &nbsp;&nbsp;97.40% | &nbsp;&nbsp;$241238536.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.60% | &nbsp;&nbsp;$3271094.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$244509630.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Construction to Perm | &nbsp;&nbsp;19 | &nbsp;&nbsp;4.11% | &nbsp;&nbsp;$16320400.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$435000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;129 | &nbsp;&nbsp;27.92% | &nbsp;&nbsp;$61833266.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;72 | &nbsp;&nbsp;15.58% | &nbsp;&nbsp;$43789791.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;202 | &nbsp;&nbsp;43.72% | &nbsp;&nbsp;$99072776.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;38 | &nbsp;&nbsp;8.23% | &nbsp;&nbsp;$23058397.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$244509630.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.87% | &nbsp;&nbsp;$2146000.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$428750.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;447 | &nbsp;&nbsp;96.75% | &nbsp;&nbsp;$234678310.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;$7256570.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$244509630.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;225 | &nbsp;&nbsp;48.70% | &nbsp;&nbsp;$148138148.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;$7315870.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;226 | &nbsp;&nbsp;48.92% | &nbsp;&nbsp;$89055612.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**462** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$244509630.00** |

---

![](tm2534371d1_ex99-10img01.jpg)

**DATA COMPARISON RESULTS**

Of the four hundred sixty-two (462) mortgage loan files reviewed, two hundred eleven (211) unique loans (45.67% by number) had three hundred twenty-six (326) tape comparison discrepancies across thirty-one (31) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;29 | &nbsp;&nbsp;462 | &nbsp;&nbsp;6.28% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;21 | &nbsp;&nbsp;462 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;26 | &nbsp;&nbsp;462 | &nbsp;&nbsp;5.63% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;38 | &nbsp;&nbsp;462 | &nbsp;&nbsp;8.23% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;85 | &nbsp;&nbsp;462 | &nbsp;&nbsp;18.40% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;8 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;6 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;36 | &nbsp;&nbsp;462 | &nbsp;&nbsp;7.79% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;462 | &nbsp;&nbsp;1.52% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;462 | &nbsp;&nbsp;0.22% |

---

![](tm2534371d1_ex99-10img01.jpg)

**Disclaimer**

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

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

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

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

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

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY EXCEPTIONS REPORT**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 837678 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841099 | xxxxxx | C A | Closed | xxxxxx | 2025-10-23 09:50 | 2025-11-05 13:59 | Resolved | 1 - Information C A | Credit | Eligibility | Transaction is not arm's length | Resolved-LOE provided. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. LOX relationship attached - Due Diligence Vendor-11/05/2025 <br> Counter-Nothing attached - Missing LOE describing the nature of the borrowers relationship to the seller. - Due Diligence Vendor-10/31/2025 <br> Ready for Review- Missing LOE describing the nature of the borrowers relationship to the seller - Due Diligence Vendor-10/30/2025 <br> Open-Non-Arm's Length Transaction - Missing LOE describing the nature of the borrowers relationship to the seller. - Due Diligence Vendor-10/29/2025 |  | Resolved-LOE provided. - Due Diligence Vendor-11/05/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 705 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review841099_xxxxxx_11_4_2025_15325_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841956 | xxxxxx | D A | Closed | xxxxxx | 2025-09-16 08:44 | 2025-09-17 12:16 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. see processor cert and settlement statement - Buyer-09/16/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof of proceeds from property sold at xxxxxx Funds required to close in the amount of $141,000 as stated on Final 1003 pg 598 - Due Diligence Vendor-09/16/2025 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-09/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx processor cert.pdf<br> xxxxxx final settlement statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842782 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842840 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 16:24 | 2025-10-03 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Documents provided. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see the Entity Documents. xxxxxx!<br> - Due Diligence Vendor-10/02/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide the Business Entity EIN number for xxxxxx. - Due Diligence Vendor-10/01/2025 |  | Resolved-Entity Documents provided. - Due Diligence Vendor-10/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review842840_xxxxxx_10_2_2025_14603_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842955 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 13:09 | 2025-10-16 08:54 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see insurance - Due Diligence Vendor-10/15/2025 <br> Open-Subject Property on Note does not match Insured Property Address The zip code on the hazard insurance dec page is incorrect. Zip code should be xxxxxx - Due Diligence Vendor-09/22/2025 |  | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-10/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review842955_xxxxxx_10_14_2025_40658_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843427 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 843651 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843751 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843870 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843994 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 844062 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844125 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844131 | xxxxxx | D A | Closed | xxxxxx | 2025-09-06 17:45 | 2025-09-10 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. see mtg. there is no deed of trust - Buyer-09/09/2025 <br> Open-The Deed of Trust is Missing for subject property purchase at xxxxxx - Due Diligence Vendor-09/06/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.98% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx mtg.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844150 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:25 | 2025-09-08 14:25 | Waived | 2 - Non-Material B | Credit | Insurance | Insurance Document(s) Do Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception approval for insurance rent loss coverage to be based on current rent instead of gross rent as required by the program. Confirmation email received stating that there is no coverage limit based on actual loss sustained. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception approval for insurance rent loss coverage to be based on current rent instead of gross rent as required by the program. Confirmation email received stating that there is no coverage limit based on actual loss sustained. - Due Diligence Vendor-09/08/2025 | Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - - Borrower has clean credit history on all accounts with oldest account from 2005.<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Borrower exceeds minimum credit score requirement by at least 60 points. <br> All consumer credit paid as agreed in the most recent 12 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844150 | xxxxxx | B A | Closed | xxxxxx | 2025-08-29 09:04 | 2025-08-29 16:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception approval to retain LTV at 75%. Per guideline, max allowed for mix use property type is 65%. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception approval to retain LTV at 75%. Per guideline, max allowed for mix use property type is 65%. - Due Diligence Vendor-09/05/2025 | Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - - Borrower has clean credit history on all accounts with oldest account from 2005.<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | <br> Borrower exceeds minimum credit score requirement by at least 60 points. <br> All consumer credit paid as agreed in the most recent 12 months.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 844150 | xxxxxx | B A | Closed | xxxxxx | 2025-08-29 09:03 | 2025-08-29 16:10 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception to waive the CPA letter in relation to assets due to the LLC documentation detailing the ownership interest of the LLC being owned by <br> both the husband and wife. (personal guarantee signed by both parties) - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception to waive the CPA letter in relation to assets due to the LLC documentation detailing the ownership interest of the LLC being owned by <br> both the husband and wife. (personal guarantee signed by both parties) - Due Diligence Vendor-09/05/2025 | Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) - - Borrower has clean credit history on all accounts with oldest account from 2005.<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | <br> Borrower exceeds minimum credit score requirement by at least 60 points. <br> All consumer credit paid as agreed in the most recent 12 months.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844224 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844317 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844384 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844533 | xxxxxx | B A | Closed | xxxxxx | 2025-09-18 16:08 | 2025-09-18 16:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Client Exception Granted with compensating factors. Seller Contributions Exceed Program Maximum. Section 2.4.4 allow a maximum of 6% seller concession on invesstmetn properties. Subject seller contribution = $18,195.45 or 6.7%. - Due Diligence Vendor-09/18/2025 |  | Waived-Client Exception Granted with compensating factors. Seller Contributions Exceed Program Maximum. Section 2.4.4 allow a maximum of 6% seller concession on invesstmetn properties. Subject seller contribution = $18,195.45 or 6.7%. - Due Diligence Vendor-09/18/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - 30.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 12.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Reserves exceed requirement by 2 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844574 | xxxxxx | B A | Closed | xxxxxx | 2025-09-02 08:18 | 2025-12-11 12:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow a xxxxxx unit property for a first time investor. - Due Diligence Vendor-12/11/2025 <br> Waived-Client Exception Granted with compensating factors. Subject property is a xxxxxx unit property and is ineligible for a first time investor. - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow a xxxxxx unit property for a first time investor. - Due Diligence Vendor-12/11/2025 <br> Waived-Client Exception Granted with compensating factors. Subject property is a xxxxxx unit property and is ineligible for a first time investor. - Due Diligence Vendor-12/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years | 0x30 for 48 months on subject mortgage, Current primary home ownership > 5 years, Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844612 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844666 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844684 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 12:13 | 2025-09-19 15:29 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Assignment of Leases and Rents Rider provided. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. dot & all riders - Buyer-09/19/2025 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-Assignment of Leases and Rents Rider provided. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.83 Years |  | xxxxxx dot xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844684 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 11:32 | 2025-09-19 15:29 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. dot and all riders - Buyer-09/19/2025 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.83 Years |  | xxxxxx dot xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844720 | xxxxxx | C A | Closed | xxxxxx | 2025-09-16 23:06 | 2025-09-16 23:06 | Resolved | 1 - Information C A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided shows no impact from disaster. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 |  | Resolved-PDI provided shows no impact from disaster. - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844720_xxxxxx_9_16_2025_14035_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844749 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-30 07:15 | 2025-10-01 11:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Assignment of Rents/1-4 Family rider would not have been applicable when the loan closed as a primary residence. After closing, it was later determined that it should have closed as an investment property. - Due Diligence Vendor-10/01/2025 <br> Counter-Riders provided cover the initial transaction as a primary residence xxxxxx. However, because this should have been considered an investment property, a 1-4 family rider would be required. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. please see attached riders - Due Diligence Vendor-10/01/2025 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-09/30/2025 |  | Resolved-Assignment of Rents/1-4 Family rider would not have been applicable when the loan closed as a primary residence. After closing, it was later determined that it should have closed as an investment property. - Due Diligence Vendor-10/01/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the minimum guideline requirement <br> Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 2+ months |  | Full Review844749_xxxxxx_9_30_2025_45545_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844749 | xxxxxx | D B A C | Closed | xxxxxx | 2025-08-25 06:36 | 2025-09-30 15:22 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Client Exception Granted with compensating factors. Client provided a guideline exception allowing for the current VOE based on comp factors provided. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-09/30/2025 <br> Counter-VVOE missing for xxxxxx The Businesses income is being used to qualify. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-All of those companies we are counting a loss against the borrower so we dont require a VVOE within 10 days. - Due Diligence Vendor-09/29/2025 <br> Counter-Rebuttal provided but no attachments were uploaded with it. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Borrower is self employed. Attached are the business license docs - Due Diligence Vendor-09/22/2025 <br> Counter-Self-Employment VVOE missing for xxxxxx The Businesses income is being used to qualify. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Borrower is self employed. Attached are the business license docs - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided a guideline exception allowing for the current VOE based on comp factors provided. - Due Diligence Vendor-09/30/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the minimum guideline requirement <br> Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 2+ months | Compensating Factor 1 - Reserves exceed requirement by 2 months or more / <br> Compensating Factor 2 - Credit Score 10 points > minimum required / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | Full Review844749_xxxxxx_9_16_2025_15351_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844749 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 09:48 | 2025-09-30 07:15 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk Review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-09/29/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/22/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) - Due Diligence Vendor-09/09/2025 |  | Resolved-Desk Review provided - Due Diligence Vendor-09/30/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the minimum guideline requirement <br> Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 2+ months |  | Full Review844749_xxxxxx_9_26_2025_51318_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844749 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 13:07 | 2025-09-23 13:03 | Waived | 2 - Non-Material C B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: We approved exception to allow investment property on our portfolio product<br> - Due Diligence Vendor-09/23/2025 <br> Counter-Please provide an updated 1008 and investor lock reflecting Investment occupancy - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/22/2025 <br> Open-Loan originated as Primary Residence purchase. AUS and 1003 indicate borrower does not intend to occupy property. All indications are property intended as investment property. Transaction is noted as Non-Arms Length, where investment property transactions are not permitted per xxxxxx. - Due Diligence Vendor-09/03/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: We approved exception to allow investment property on our portfolio product<br> - Due Diligence Vendor-09/23/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the minimum guideline requirement <br> Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 2+ months | Months Reserves <br> Low Credit Usage | Full Review844749_xxxxxx_9_22_2025_53908_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844749 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 11:50 | 2025-09-17 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Tax Cert, HOI Policy & HOA provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Mortgage statement(xxxxxx xxxxxx) for departing residence xxxxxx to confirm PITI is missing from the file. - Due Diligence Vendor-09/03/2025 |  | Resolved-Tax Cert, HOI Policy & HOA provided - Due Diligence Vendor-09/17/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the minimum guideline requirement <br> Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 2+ months |  | Full Review844749_xxxxxx_9_12_2025_35430_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844835 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 15:41 | 2025-09-22 19:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Guaranty Agreement. - Due Diligence Vendor-09/17/2025 <br> Open-Personal Guaranty is missing. - Due Diligence Vendor-09/08/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review844835_xxxxxx_9_11_2025_14458_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844842 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844849 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 05:16 | 2025-09-04 21:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. 9/4/25 - Please see IDs - Due Diligence Vendor-09/05/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) . Provide required ID for co-borrower as required per guidelines. Borrower is a Foreign National. - Due Diligence Vendor-09/03/2025 |  | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-09/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review844849_xxxxxx_9_4_2025_61821_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844849 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 11:22 | 2025-09-04 21:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 15.29 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. 9/4/25 - please see bank statement. $231,180.45 is available in the borrowers xxxxxx account dated 8/14/2025 - Due Diligence Vendor-09/05/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6. Loan is short cash to close with no remaining funds for reserves of $27,250.50 as required. - Due Diligence Vendor-09/03/2025 |  | Resolved-Audited Reserves of 15.29 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-09/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review844849_xxxxxx_9_4_2025_62005_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844849 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 11:18 | 2025-09-04 21:46 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-09/05/2025 <br> Ready for Review-9/4/25 - please see bank statement. $231,180.45 is available in the borrowers xxxxxx account dated 8/14/2025 attached to condition to xxxxxx - Due Diligence Vendor-09/05/2025 <br> Open-Total Liquid Assets Available for Close of $152158.98 is less than Total Cash to Close $161746.54. . Additional assets must be provided. At the time of review xxxxxx account xxxxxx was provided with a balance of $152,158.98 and is short $9,587.56 cash to close. - Due Diligence Vendor-09/03/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-09/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844856 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844898 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 15:48 | 2025-10-27 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. updated 1008 - Buyer-10/24/2025 <br> Counter-Lenders 1008 states $89.63 per month x 12 = $1075.56 vs Hazard dec page shows premium as $616.00 / 12 = $51.33 - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. the hazard insurance policy is 616. per the final cd. can you let me know what document you are showing as 1075.56? - Buyer-10/23/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard dec page shows premium as $616 which does not match the amount of $1,075.56 which is what the underwriter and lender have listed - Due Diligence Vendor-10/22/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 26.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 15.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.80 Years |  | final signed.pdf<br>1008 - Transmittal Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844945 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 16:12 | 2025-10-21 09:27 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. See attached 1004D - Due Diligence Vendor-10/20/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing Completion Report (1004D). - Due Diligence Vendor-08/29/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report was provided - Due Diligence Vendor-10/21/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | Full Review844945_xxxxxx_10_17_2025_51038_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845140 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845153 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845219 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845405 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845532 | xxxxxx | D A | Closed | xxxxxx | 2025-09-30 18:35 | 2025-10-03 07:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Assignment of Leases and Rents Rider attached. - Due Diligence Vendor-10/03/2025 <br> Open-Missing Assignment of Leases and Rents Rider - Due Diligence Vendor-09/30/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/03/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.31% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review845532_xxxxxx_10_2_2025_34449_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845542 | xxxxxx | C A | Closed | xxxxxx | 2025-09-16 16:54 | 2025-09-22 11:31 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Property address is missing or inaccurate | Resolved-Docs provided show Zip Code corrected. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Please see zip code correction - Due Diligence Vendor-09/22/2025 <br> Open-The zip code on the Final Settlement statement & the purchase contract is not correct. The zip code should be xxxxxx. - Due Diligence Vendor-09/16/2025 |  | Resolved-Docs provided show Zip Code corrected. - Due Diligence Vendor-09/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review845542_xxxxxx_9_22_2025_105542_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845598 | xxxxxx | C A | Closed | xxxxxx | 2025-09-06 04:41 | 2025-09-11 09:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. final signed cd - Buyer-09/10/2025 <br> Open-CD not having sign in file - Due Diligence Vendor-09/06/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | final signed CD xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845599 | xxxxxx | C A | Closed | xxxxxx | 2025-09-06 07:17 | 2025-09-11 09:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. final signed - Buyer-09/10/2025 <br> Open-In CD sign is missing required updated CD with sign - Due Diligence Vendor-09/06/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |  | final cd signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845713 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 11:23 | 2025-09-16 07:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved- - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/12/2025 <br> Open-. Provide final closing statement for the subject property purchase to finalize the cash required to close. At the time of review only CD's labeled Draft were provided and did not include the lender closing fees as required. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | Executed xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845713 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 11:31 | 2025-09-16 07:07 | Resolved | 1 - Information B A | Compliance | Missing Doc | xxxxxx Patriot Act Disclosure or ID missing or unexecuted | Resolved- - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-. Provide completed xxxxxx Patriot Act Disclosure. Although signed no ID information was completed as required as all fields were left blank. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | patriot form.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845727 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 13:49 | 2025-12-11 13:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow xxxxxx with xxxxxx sq ft. - Due Diligence Vendor-12/11/2025 <br> Open-Property does not meet guideline minimum square footage for xxxxxx. (500 square ft min; subject is xxxxxx square ft) - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow xxxxxx with xxxxxx - Due Diligence Vendor-12/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Experienced investor owns and manages 2 or more properties for 12 months, Reserves exceed requirement by 6 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845749 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 03:31 | 2025-10-07 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-10/01/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/07/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.72 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | flood cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845763 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 07:28 | 2025-09-17 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. 9/15/25 - please see attached. - Due Diligence Vendor-09/17/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Evidence of EIN is Missing - Due Diligence Vendor-09/11/2025 |  | Resolved-Business Documents provided. - Due Diligence Vendor-09/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review845763_xxxxxx_9_15_2025_30555_PM.zip<br> Full Review845763_xxxxxx_9_15_2025_30555_PM.zip<br> 845763_entity docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845764 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845774 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845822 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845824 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845861 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845894 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845987 | xxxxxx | C A | Closed | xxxxxx | 2025-09-29 10:11 | 2025-10-01 12:46 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved- - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI. - Due Diligence Vendor-09/30/2025 <br> Open-Hazard Insurance policy does not list lender as mortgagee/loss payee. - Due Diligence Vendor-09/29/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 118.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review845987_xxxxxx_9_30_2025_21043_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846010 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 12:06 | 2025-11-26 17:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Lender provided LOE about business purpose. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. 11/26/25 - LOE dated xxxxxx indicating proceeds are biz purpose received pre-close - Buyer-11/26/2025 <br> Open-Per GL 2.4.1.3 (Cash-Out), the required Business Purpose LOE is missing. The LOE provided by B1 explains the use of cash-out proceeds but does not establish a qualifying Business Purpose. As submitted, the stated use is ineligible per GL requirements. - Due Diligence Vendor-11/24/2025 |  | Resolved-Lender provided LOE about business purpose. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.47% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx loe.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846010 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 12:18 | 2025-11-26 17:22 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. 11/26/25 - Lender response: please see Deed showing it was not closed in a trust - Due Diligence Vendor-11/26/2025 <br> Open-Property vesting reflects xxxxxx, xxxxxx of the xxxxxx, UTA xxxxxx, while the loan closing documents were prepared in the borrower's individual name rather than in her capacity as xxxxxx. - Due Diligence Vendor-11/24/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.47% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review846010_xxxxxx_11_26_2025_94205_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846112 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846149 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846172 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 12:19 | 2025-10-07 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. See attached Fraud report. - Due Diligence Vendor-10/06/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/01/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review846172_xxxxxx_10_6_2025_105713_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846188 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846234 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846239 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846253 | xxxxxx | D A | Closed | xxxxxx | 2025-09-02 13:12 | 2025-09-17 01:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated Note/DOT provided showing loan amount at xxxxxx - Due Diligence Vendor-09/17/2025 <br> Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. 9/16/25 - Please see wet signed Note with loan amount of xxxxxx Note for wrong amount was inadvertently sent to Investor. Documents manually uploaded to xxxxxx to avoid system issues. Request was previously sent to 9/4/25. - Buyer-09/16/2025 <br> Open-Audited LTV of 71.59% exceeds Guideline LTV of 70% Foreign National condominium. - Due Diligence Vendor-09/02/2025 |  | Resolved-Updated Note/DOT provided showing loan amount at xxxxxx - Due Diligence Vendor-09/17/2025 <br> Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-09/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | xxxxxx NOTE WET SIGNED (2).pdf<br> xxxxxx Recorded Mortgage.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846253 | xxxxxx | D A | Closed | xxxxxx | 2025-08-29 07:09 | 2025-09-04 21:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Bank statement provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. 9/4/25 - please see bank statement - Due Diligence Vendor-09/05/2025 <br> Open-Asset 1 Missing, xxxxxx acct xxxxxx. - Due Diligence Vendor-08/29/2025 |  | Resolved-Bank statement provided. - Due Diligence Vendor-09/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | Full Review846253_xxxxxx_9_4_2025_63535_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846309 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-16 08:58 | 2025-09-19 11:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see 1008 - Due Diligence Vendor-09/19/2025 <br> Open-1008/Underwriting Summary Partially Provided Appraised Value is incorrect in 1008. - Due Diligence Vendor-09/16/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/19/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.22% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review846316_xxxxxx_9_19_2025_105133_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846319 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846332 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846375 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846383 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-08 14:30 | 2025-10-08 14:33 | Waived | 2 - Non-Material C B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception Granted with compensating factors. Client provided guideline exception allowing for DSCR below min based on comp factors provided. - Due Diligence Vendor-10/08/2025 <br> Open-DSCR of .531 is less than the minimum of .75. - Due Diligence Vendor-10/08/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception allowing for DSCR below min based on comp factors provided. - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Compensating factor 1: Credit Score (787) 30+ points > minimum required (740);<br> Compensating factor 2: Reserves (51.64) exceed requirement by 10 months or more (3) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846383 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-25 12:11 | 2025-09-29 09:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 11 Missing | Resolved-Asset 11 Provided Or Not Applicable - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Missing documentation to verify proceeds from loan of xxxxxx. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Asset 11 Provided Or Not Applicable - Due Diligence Vendor-09/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx Cash to Close from Concurrent Loan.pdf<br> xxxxxx PCCD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846398 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846408 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846454 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846465 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846497 | xxxxxx | D A | Closed | xxxxxx | 2025-08-30 11:30 | 2025-09-09 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. so xxxxxx i misread the condition.. please see attached title policy - Buyer-09/08/2025 <br> Counter-Missing Title Policy from the loan file. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. quitclaim from individual to LLC - Buyer-09/08/2025 <br> Open-Title Document is missing Provide Title Document for the Subject property with currently Vested LLC name and Proposed payment should be Match with the Loan Amount xxxxxx. - Due Diligence Vendor-08/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-09/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Quitclaim deed - Executed Quitclaim Deed (Recording Documents (Unrecorded)).pdf (1).pdf<br>Title Commitment - Aug 22nd, 4_19 PM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846531 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846541 | xxxxxx | D A | Closed | xxxxxx | 2025-09-15 15:26 | 2025-09-19 11:26 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003. xxxxxx! - Due Diligence Vendor-09/19/2025 <br> Open-The Final 1003 is Incomplete The Final 1003 currently reflects a different loan amount and property address than what is stated in the Note and Deed of Trust. However, the borrower is proceeding with a concurrent loan (Loan xxxxxx), which matches the address on the current 1003. Please update the Final 1003 to reflect the correct loan amount and property address in line with the Note and Deed of Trust. - Due Diligence Vendor-09/15/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/19/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.81% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review846541_xxxxxx_9_18_2025_24337_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846543 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 20:37 | 2025-09-26 11:14 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. See 1008 attached - Due Diligence Vendor-09/25/2025 <br> Open-1008/Underwriting Summary Partially Provided Missing 1008 with updated loan amount, current 1008 shows xxxxxx loan amount. - Due Diligence Vendor-09/24/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.67% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | Full Review846543_xxxxxx_9_25_2025_54934_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846545 | xxxxxx | C A | Closed | xxxxxx | 2025-10-06 12:12 | 2025-10-10 15:42 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Valid work Visa provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see visa - Due Diligence Vendor-10/10/2025 <br> Open-Missing borrower's valid and unexpired VISA or I797. (xxxxxx passport already in file) - Due Diligence Vendor-10/06/2025 |  | Resolved-Valid work Visa provided - Due Diligence Vendor-10/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.1% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | Full Review846545_xxxxxx_10_9_2025_52437_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846546 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846548 | xxxxxx | C A | Closed | xxxxxx | 2025-09-30 20:54 | 2025-10-06 12:46 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Cert of Name correction dated xxxxxx provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. See attached regarding misspelling and correction. - Due Diligence Vendor-10/06/2025 <br> Open-is the borrowers business name xxxxxx OR xxxxxx? The documents do not all match. - Due Diligence Vendor-10/01/2025 |  | Resolved-Cert of Name correction dated xxxxxx provided. - Due Diligence Vendor-10/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.81% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | Full Review846548_xxxxxx_10_3_2025_122914_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846549 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846575 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 03:55 | 2025-10-10 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet for borrower self employment income. - Due Diligence Vendor-09/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/10/2025 | Audited reserves exceed guideline minimum - Audited reserves of 54.01 months exceeds guideline required reserves by 10+ months<br> Low qualifying LTV - Low qualifying LTV of 34.58%<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5154.31 exceeds 1.5x guideline minimum |  | Full Review846575_xxxxxx_10_9_2025_40608_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846575 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 03:35 | 2025-10-09 23:17 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for insurance based on comp factors provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Builder's Risk Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. Lender used estimated amount of $100 per month for Builder's Risk Policy. Hazard policy provided inception date is immediately after builder's risk policy. - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for insurance based on comp factors provided. - Due Diligence Vendor-10/10/2025 | Audited reserves exceed guideline minimum - Audited reserves of 54.01 months exceeds guideline required reserves by 10+ months<br> Low qualifying LTV - Low qualifying LTV of 34.58%<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5154.31 exceeds 1.5x guideline minimum | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / <br> Compensating Factor 2 - Credit Score 20 points > minimum required / <br> Compensating Factor 3 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846575 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 04:22 | 2025-10-09 23:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for Missing updated AUS with updated DTI. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Open-Audited DTI of 44.29% exceeds AUS DTI of 42.83%. Missing updated AUS with updated DTI over 43%. - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for Missing updated AUS with updated DTI. - Due Diligence Vendor-10/10/2025  | Audited reserves exceed guideline minimum - Audited reserves of 54.01 months exceeds guideline required reserves by 10+ months<br> Low qualifying LTV - Low qualifying LTV of 34.58%<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5154.31 exceeds 1.5x guideline minimum | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / <br> Compensating Factor 2 - Credit Score 20 points > minimum required / <br> Compensating Factor 3 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846575 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 02:45 | 2025-10-09 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Drivers License Provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower identification document is missing. - Due Diligence Vendor-09/19/2025 |  | Resolved-Drivers License Provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 54.01 months exceeds guideline required reserves by 10+ months<br> Low qualifying LTV - Low qualifying LTV of 34.58%<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5154.31 exceeds 1.5x guideline minimum |  | Full Review846575_xxxxxx_10_8_2025_31241_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846576 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 03:55 | 2025-10-29 10:47 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present 442 not provided. - Due Diligence Vendor-09/22/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report was provided - Due Diligence Vendor-10/29/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5253.17 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 16.25 months exceeds guideline required reserves by 2+ months |  | 846576_xxxxxx_1004D_passed.pdf<br> 846576_xxxxxx_1004D_passed.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846576 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 04:02 | 2025-10-29 10:46 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: The request for an exception to Client's eligibility criteria is granted for Hazard effective dates - Due Diligence Vendor-10/29/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Builder's Risk missing. Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-09/22/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: The request for an exception to Client's eligibility criteria is granted for Hazard effective dates - Due Diligence Vendor-10/29/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5253.17 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 16.25 months exceeds guideline required reserves by 2+ months | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Credit Score 10 points > minimum required <br> Compensating Factor 3 - Reserves exceed requirement by 2 months or more |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 846576 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-23 07:48 | 2025-10-24 07:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU is greater than 2.5. CDA required. - Due Diligence Vendor-09/23/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5253.17 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 16.25 months exceeds guideline required reserves by 2+ months |  | 846576_xxxxxx_846576_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846576 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 03:37 | 2025-10-22 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5253.17 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 16.25 months exceeds guideline required reserves by 2+ months |  | Full Review846576_xxxxxx_10_21_2025_22142_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846576 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 03:37 | 2025-10-22 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 5253.17 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 16.25 months exceeds guideline required reserves by 2+ months |  | Full Review846576_xxxxxx_10_21_2025_22136_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846577 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-30 17:13 | 2025-10-10 15:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Approved to allow a 2nd home OTC - Due Diligence Vendor-10/10/2025 <br> Ready for Review-see attached - Due Diligence Vendor-10/10/2025 <br> Open-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Second Homes not allowed. Exception noted on transmittal, but no exception approval located in file. - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Approved to allow a 2nd home OTC - Due Diligence Vendor-10/10/2025 | Audited reserves exceed guideline minimum - Audited reserves of 50 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $73298.55 exceeds 1.5x the minimum residual requirement | Reserves<br> Experienced property owner | Full Review846577_xxxxxx_10_9_2025_41326_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846577 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-30 17:01 | 2025-10-10 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing hazard insurance for primary residence. - Due Diligence Vendor-09/30/2025 |  | Resolved-HOI provided - Due Diligence Vendor-10/10/2025 | Audited reserves exceed guideline minimum - Audited reserves of 50 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $73298.55 exceeds 1.5x the minimum residual requirement |  | Full Review846577_xxxxxx_10_9_2025_41316_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846577 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-29 02:08 | 2025-10-09 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Provide Drivers License for the Co-Borrower xxxxxx. - Due Diligence Vendor-09/29/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 50 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $73298.55 exceeds 1.5x the minimum residual requirement |  | Full Review846577_xxxxxx_10_8_2025_31312_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846577 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-29 02:08 | 2025-10-09 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Provide The Borrower Drivers License for the " xxxxxx xxxxxx" - Due Diligence Vendor-09/29/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 50 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $73298.55 exceeds 1.5x the minimum residual requirement |  | Full Review846577_xxxxxx_10_8_2025_31319_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846578 | xxxxxx | D A | Closed | xxxxxx | 2025-09-26 03:21 | 2025-10-09 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 |  |  | Full Review846578_xxxxxx_10_8_2025_33225_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846578 | xxxxxx | D A | Closed | xxxxxx | 2025-09-26 03:21 | 2025-10-09 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 |  |  | Full Review846578_xxxxxx_10_8_2025_33233_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846580 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 03:35 | 2025-10-24 07:48 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) Provide Desk Review - Due Diligence Vendor-09/26/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 |  |  | 846580_xxxxxx_846580_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846580 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 01:40 | 2025-10-22 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846580_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846580 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 01:40 | 2025-10-22 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846580_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846581 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 01:45 | 2025-10-24 07:50 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk Review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.3) CU Score Is Greater Than 2.5. However Third Party Valuation Product Was Not Provided - Due Diligence Vendor-09/30/2025 |  | Resolved-Desk Review provided - Due Diligence Vendor-10/24/2025 |  |  | 846581_xxxxxx_846581_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846581 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 12:57 | 2025-10-22 13:29 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-09/30/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | Full Review846581_xxxxxx_10_21_2025_22341_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846581 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-01 11:49 | 2025-10-22 13:29 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Resolved- - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/01/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-10/01/2025 <br> Open- - Due Diligence Vendor-10/01/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | Full Review846581_xxxxxx_10_21_2025_22337_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846581 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 15:48 | 2025-10-22 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO documents provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Mortgage statement is missing for xxxxxx - Due Diligence Vendor-09/30/2025 |  | Resolved-REO documents provided - Due Diligence Vendor-10/22/2025 |  |  | Full Review846581_xxxxxx_10_21_2025_22329_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846581 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 00:50 | 2025-10-22 10:17 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $1200000 Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $1200000 - Due Diligence Vendor-09/30/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/22/2025 |  |  | Full Review846581_xxxxxx_10_21_2025_22334_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846582 | xxxxxx | D A | Closed | xxxxxx | 2025-09-29 10:23 | 2025-10-16 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE provide stating no HOA - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. loe for no hoa - Due Diligence Vendor-10/15/2025 <br> Open-Missing HOA for xxxxxx - Due Diligence Vendor-09/29/2025 |  | Resolved-LOE provide stating no HOA - Due Diligence Vendor-10/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.24% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review846582_xxxxxx_10_14_2025_35329_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846582 | xxxxxx | D A | Closed | xxxxxx | 2025-09-26 09:40 | 2025-10-16 08:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/15/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.24% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review_Comments_846582_xxxxxx_10_14_2025_35323_PM.csv<br> Full Review846582_xxxxxx_10_14_2025_35322_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846584 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-23 12:19 | 2025-10-16 10:57 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: exception granted for Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/15/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-09/23/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: exception granted for Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-10/16/2025 | Audited reserves exceed guideline minimum - Audited reserves of 19.02 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7045.46 exceeds 1.5x the minimum residual requirement | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 3 - Reserves exceed requirement by 2 months or more | Full Review846584_xxxxxx_10_15_2025_13051_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846584 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 12:56 | 2025-10-10 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report for the Subject Property. - Due Diligence Vendor-09/22/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/10/2025 | Audited reserves exceed guideline minimum - Audited reserves of 19.02 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7045.46 exceeds 1.5x the minimum residual requirement |  | Full Review846584_xxxxxx_10_9_2025_41450_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846584 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 11:18 | 2025-10-09 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Provide Drivers License For the Co-Borrower " xxxxxx ". - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 19.02 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7045.46 exceeds 1.5x the minimum residual requirement |  | Full Review846584_xxxxxx_10_8_2025_31417_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846584 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 11:18 | 2025-10-09 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Provide Drivers License for the Borrower " xxxxxx ". - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 19.02 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7045.46 exceeds 1.5x the minimum residual requirement |  | Full Review846584_xxxxxx_10_8_2025_31421_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-22 10:14 | 2025-10-24 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating no damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. See the attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA: xxxxxx - FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx / Appraisal completed prior to Disaster - Missing PDI from file. - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating no damage was provided. - Due Diligence Vendor-10/24/2025 |  |  | 846585_xxxxxx_846585_xxxxxx,_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 00:28 | 2025-10-24 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Purchase Contract Is Missing For Subject Property. - Due Diligence Vendor-09/26/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_Sales_Agreement-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 16:56 | 2025-10-22 13:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-\*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-09/30/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_ICD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 13:41 | 2025-10-22 13:43 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Homeownership Counseling Disclosure Is Missing \*\*Lender to provide a copy of the disclosure. - Due Diligence Vendor-09/30/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_Homeownership-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 13:41 | 2025-10-22 13:43 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Initial Escrow Account Disclosure is Missing \*\*Lender to provide a copy of the disclosure. - Due Diligence Vendor-09/30/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_Initial_Escrow-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 13:41 | 2025-10-22 13:43 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the disclosure. - Due Diligence Vendor-09/30/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_Affiliated_Disclosure-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 00:08 | 2025-10-22 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Drivers License Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/26/2025 |  | Resolved-Drivers License Provided - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846585 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 00:08 | 2025-10-22 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846585_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846586 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-26 05:22 | 2025-10-24 07:55 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided. - Due Diligence Vendor-09/26/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 | Audited reserves exceed guideline minimum - Audited reserves of 231.76 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22583.08 exceeds 1.5x the minimum residual requirement |  | 846586_xxxxxx_846586_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx |
| 846586 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-26 03:11 | 2025-10-24 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/10/2025 <br> Resolved-Construction to Perm Loan, Building Contract provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment<br> - Due Diligence Vendor-10/09/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/10/2025 <br> Resolved-xxxxxx to Perm Loan, xxxxxx Contract provided. - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 231.76 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22583.08 exceeds 1.5x the minimum residual requirement |  | Full Review846586_xxxxxx_10_8_2025_30817_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx |
| 846586 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-26 03:11 | 2025-10-24 07:55 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-09/26/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report was provided - Due Diligence Vendor-10/10/2025 | Audited reserves exceed guideline minimum - Audited reserves of 231.76 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22583.08 exceeds 1.5x the minimum residual requirement |  | Full Review846586_xxxxxx_10_9_2025_34634_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx |
| 846586 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-30 13:24 | 2025-10-10 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing HOA statement for xxxxxx - Due Diligence Vendor-09/30/2025 |  |  | Audited reserves exceed guideline minimum - Audited reserves of 231.76 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22583.08 exceeds 1.5x the minimum residual requirement |  | Full Review846586_xxxxxx_10_9_2025_34639_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx |
| 846586 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-26 06:04 | 2025-10-10 10:29 | Waived | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception Granted with compensating factors. Borrower is qualifying with asset depletion from a non-retirement source that does not have monthly distributions set up. Exception to allow an assumed distribution is set up, and to utilize a non-xxxxxx standard calculation for asset depletion for funds that are employer related through severance. xxxxxx requires these funds to be divided monthly over the entire term of the loan, and was instead qualified based on an assumed $38,500/month distribution supported with over 36 month continuance. Value of account is $2.1mm. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached loe pertaining to income - Due Diligence Vendor-10/10/2025 <br> Open-Income and Employment Do Not Meet Guidelines Per exception request in the file to allow set up for distribution. Distribution in the file coming from non retirement account with no prior history and evidence of continuance. No evidence of exception approval. - Due Diligence Vendor-09/26/2025 |  | Waived-Client Exception Granted with compensating factors. Borrower is qualifying with asset depletion from a non-retirement source that does not have monthly distributions set up. Exception to allow an assumed distribution is set up, and to utilize a non-xxxxxx standard calculation for asset depletion for funds that are employer related through severance. xxxxxx requires these funds to be divided monthly over the entire term of the loan, and was instead qualified based on an assumed $38,500/month distribution supported with over 36 month continuance. Value of account is $2.1mm. - Due Diligence Vendor-10/10/2025  | Audited reserves exceed guideline minimum - Audited reserves of 231.76 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22583.08 exceeds 1.5x the minimum residual requirement | Low Credit Usage Ratio Of Twenty-Five Percent (25%) | Full Review846586_xxxxxx_10_9_2025_34629_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | Originator Pre-Close | Yes | xxxxxx |
| 846586 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-30 11:44 | 2025-10-08 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating: The subject was has no damage and there is no sign of damage in the area - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-10/07/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-09/30/2025 |  | Resolved-PDI provided stating: The subject was has no damage and there is no sign of damage in the area - Due Diligence Vendor-10/08/2025 | Audited reserves exceed guideline minimum - Audited reserves of 231.76 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22583.08 exceeds 1.5x the minimum residual requirement |  | Full Review846586_xxxxxx_10_7_2025_45513_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx |
| 846587 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-26 02:49 | 2025-10-29 09:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Counter-Documentation provided is not the Initial Closing Disclosure \*\*\* ~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Missing Initial Closing Disclosure~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/26/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 846587_xxxxxx_CD-xxxxxx.pdf<br> 846587_xxxxxx_ICD-xxxxxx.pdf<br> 846587_xxxxxx_ICD-xxxxxx_2.pdf<br> 846587_xxxxxx_ICD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846587 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-26 14:54 | 2025-10-09 23:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for reserves based on comp factors provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Open-Audited Reserves of 8.48 are less than Guideline Required Reserves of 9 due to needing 9 mos of reserves per guidelines. - Due Diligence Vendor-09/26/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for reserves based on comp factors provided - Due Diligence Vendor-10/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / <br> Compensating Factor 2 - Credit Score 30+ points > minimum required / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846588 | xxxxxx | C A | Closed | xxxxxx | 2025-09-26 06:47 | 2025-12-03 11:20 | Acknowledged | 3 - Material C | Compliance | TRID | TRID: ARM Disclosure is Missing | Acknowledged-Investor agrees to accept as xxxxxx, 1 yr SOL, Expires xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Client agrees to accept as xxxxxx, 1 yr SOL, Expires xxxxxx. Please add notes to securitization tape. - Due Diligence Vendor-10/29/2025 <br> Counter-Please provide Initial ARM disclosure sent within 3 days of program change. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-09/29/2025 <br> Open-ARM Disclosure is Missing - Due Diligence Vendor-09/26/2025 |  | Acknowledged-Investor agrees to accept as xxxxxx, 1 yr SOL, Expires xxxxxx. - Due Diligence Vendor-11/04/2025 |  |  | 846588_xxxxxx_ARM_DISCLOSURE-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846589 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 15:27 | 2025-10-16 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-No HOA - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/15/2025 <br> Open-HOA statement is missing for the property xxxxxx. - Due Diligence Vendor-09/26/2025 |  | Resolved-No HOA - Due Diligence Vendor-10/16/2025 |  |  | Full Review846589_xxxxxx_10_15_2025_12029_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846589 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 16:22 | 2025-10-16 11:07 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-ILE and initial disclosure tracking received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-see attached - Due Diligence Vendor-10/15/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review<br> - Due Diligence Vendor-09/26/2025 |  | Resolved-ILE and initial disclosure tracking received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846589 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 16:23 | 2025-10-16 11:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE and initial disclosure tracking received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/15/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate and Revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & RLEs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-09/26/2025 |  | Resolved-ILE and initial disclosure tracking received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 |  |  | Full Review846589_xxxxxx_10_15_2025_12020_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846589 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 16:22 | 2025-10-16 10:58 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/15/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/16/2025 |  |  | Full Review846589_xxxxxx_10_14_2025_33100_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 11:24 | 2025-10-30 08:58 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Credit Score 30+ points > minimum required <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 16:36 | 2025-10-16 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. See attached <br> - Due Diligence Vendor-10/15/2025 <br> Counter-Builders Policy provided however condition is for Missing Borrower's HOI Policy - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-09/22/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/16/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846590_xxxxxx_10_7_2025_45608_PM.zip<br> Full Review846590_xxxxxx_10_15_2025_12151_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 15:26 | 2025-10-16 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see attached<br> - Due Diligence Vendor-10/15/2025 <br> Counter-xxxxxx Patriot Act Disclosure was provided, Condition is for signed xxxxxx Patriot Act Form with identification information listed - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846590_xxxxxx_10_7_2025_45605_PM.zip<br> Full Review846590_xxxxxx_10_15_2025_12139_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 15:26 | 2025-10-16 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see attached<br> - Due Diligence Vendor-10/15/2025 <br> Counter-xxxxxx Patriot Act Disclosure was provided, Condition is for signed xxxxxx Patriot Act Form with identification information listed - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846590_xxxxxx_10_7_2025_45605_PM.zip<br> Full Review846590_xxxxxx_10_15_2025_12139_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 17:43 | 2025-10-10 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Our fraud tool, Data Verify, monitors the credit and we turn it off after funding - Due Diligence Vendor-10/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 17:43 | 2025-10-10 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Our fraud tool, Data Verify, monitors the credit and we turn it off after funding - Due Diligence Vendor-10/10/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846590 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 18:29 | 2025-10-09 23:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for reserves based on comp factors provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Open-Audited Reserves of 5.47 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-09/22/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for reserves based on comp factors provided. - Due Diligence Vendor-10/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / <br> Compensating Factor 2 - Credit Score 30+ points > minimum required / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846591 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-24 07:41 | 2025-11-07 10:11 | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Missing Builders policy (updated Bwr's HOI provided) The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 <br> Counter-Nothing attached, Please provide replacement document to Cover the Loan amount. Builder's Risk not provided. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-see attached - Due Diligence Vendor-10/24/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. Provide Replacement document to Cover the Loan amount. Builder's Risk not provided. - Due Diligence Vendor-09/24/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Missing Builders policy (updated Bwr's HOI provided) The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 | Audited reserves exceed guideline minimum - Audited reserves of 30.6 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22458.76 exceeds 1.5x the minimum residual requirement | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | Full Review846591_xxxxxx_11_6_2025_43421_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846591 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-24 07:20 | 2025-10-22 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Drivers License provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/22/2025 <br> Counter-Document Uploaded. the xxxxxx Patriot Act Form provided for xxxxxx is blank/not filled out. Missing a filled out/completed xxxxxx Patriot Act Form or a valid Drivers License. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. See attached. xxxxxx s signature is on the form. - Due Diligence Vendor-10/15/2025 <br> Counter-the xxxxxx Patriot Act Form provided for xxxxxx is blank/not filled out. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Drivers License provided - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 30.6 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22458.76 exceeds 1.5x the minimum residual requirement |  | Full Review846591_xxxxxx_10_7_2025_50638_PM.zip<br> Full Review846591_xxxxxx_10_14_2025_40205_PM.zip<br> Screenshot 2025-10-16 082755.jpg<br> 846591_xxxxxx_other--files___xxxxxx_DL.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846591 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-24 09:04 | 2025-10-09 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet for Borrower 1 wage and bonus income. - Due Diligence Vendor-09/24/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 30.6 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22458.76 exceeds 1.5x the minimum residual requirement |  | Full Review846591_xxxxxx_10_8_2025_31516_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846591 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-24 07:20 | 2025-10-08 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 | Audited reserves exceed guideline minimum - Audited reserves of 30.6 months exceed Guideline required reserves by 10+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $22458.76 exceeds 1.5x the minimum residual requirement |  | Full Review846591_xxxxxx_10_7_2025_50631_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846592 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 10:09 | 2025-10-24 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see the attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA: xxxxxx - FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx / Appraisal completed prior to Disaster - Missing PDI from file. - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/24/2025 |  |  | 846592_xxxxxx_846592_xxxxxx_-_R67909a.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846592 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 11:11 | 2025-10-24 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846592_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846592 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 11:44 | 2025-10-22 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025 |  |  | 846592_xxxxxx_VOE-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846592 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 09:50 | 2025-10-22 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 |  |  | 846592_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846592 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 09:50 | 2025-10-22 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 |  |  | 846592_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846594 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-30 01:00 | 2025-10-23 14:56 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Client exception granted with supporting compensating factors to waive missing documented evidence of builders insurance policy during construction period. - Due Diligence Vendor-10/23/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with supporting compensating factors to waive missing documented evidence of builders insurance policy during construction period. - Due Diligence Vendor-10/23/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 220.2 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 846594 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-30 01:31 | 2025-10-16 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see atttached - Due Diligence Vendor-10/15/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/30/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/16/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 220.2 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review846594_xxxxxx_10_14_2025_34057_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846594 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-30 06:05 | 2025-10-15 10:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Waived-Client Exception Granted with compensating factors. Client provided guideline excetion for hazard based on comp factors provided. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/15/2025 <br> Counter-The Condition is for needing the "Annual Premium" for the Borrower's HOI Policy as its not listed. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Provided Hazard insurance doc is missing with Premium amount and in borrowers name. Provided the correct one - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline excetion for hazard based on comp factors provided. - Due Diligence Vendor-10/15/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 220.2 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Compensating Factor 1 - Credit Score 30+ points > minimum required / <br> Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / <br> Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines | Full Review846594_xxxxxx_10_10_2025_125511_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846595 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 02:15 | 2025-10-22 10:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the_ initial closing disclosure~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/23/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | 846595_xxxxxx_ICD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846595 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 04:55 | 2025-10-22 10:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*Appraisal photo's indicate the property is occupied. The Notice of Right to Cancel has not been provided. - Due Diligence Vendor-09/29/2025 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-10/22/2025 |  |  | 846595_xxxxxx_Right_to_Cancel-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846595 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 08:07 | 2025-10-07 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-10/06/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-09/22/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/07/2025 |  |  | Full Review846595_xxxxxx_10_6_2025_44155_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846596 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 10:39 | 2025-10-09 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing. - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 |  | validate | Full Review846596_xxxxxx_10_8_2025_33334_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846596 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 10:39 | 2025-10-09 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing. - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/09/2025 |  | validate | Full Review846596_xxxxxx_10_8_2025_33338_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846597 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-26 09:24 | 2025-10-30 08:59 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-09/26/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.31% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846597 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-26 02:31 | 2025-10-22 17:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Missing TRID disclosure provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-See attached - Due Diligence Vendor-10/21/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial closing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/26/2025 |  | Resolved-Missing TRID disclosure provided - Due Diligence Vendor-10/22/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.31% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |  | 846597_xxxxxx_ICD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846597 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-25 01:14 | 2025-10-22 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/25/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.31% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846597 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-25 01:14 | 2025-10-22 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/25/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.31% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |  | 846597_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-22 09:53 | 2025-10-24 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA: xxxxxx - FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx / Appraisal completed prior to Disaster - Missing PDI from file. - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/24/2025 |  |  | 846598_xxxxxx_846598_xxxxxx_R67883a.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 20:08 | 2025-10-24 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/25/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846598_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-25 07:05 | 2025-10-24 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-10/22/2025 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-09/25/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-10/22/2025 |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-25 02:28 | 2025-10-22 16:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-<br> Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. <br> - Due Diligence Vendor-09/25/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | 846598_xxxxxx_ICD-xxxxxx.pdf<br> 846598_xxxxxx_Initial_CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 20:32 | 2025-10-22 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved- - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/25/2025 |  |  |  |  | 846598_xxxxxx_VOE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 20:16 | 2025-10-22 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-See attached - Due Diligence Vendor-10/21/2025 <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-09/25/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-10/22/2025 |  |  | 846598_xxxxxx_HOI-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846598 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 19:35 | 2025-10-22 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/25/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846598_xxxxxx_Patriot_Act-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846600 | xxxxxx | C A | Closed | xxxxxx | 2025-09-23 03:23 | 2025-10-24 08:08 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.6) - Due Diligence Vendor-09/23/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 |  |  | 846600_xxxxxx_846600_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846600 | xxxxxx | C A | Closed | xxxxxx | 2025-09-26 17:27 | 2025-10-08 13:25 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Provide Identification documentation for xxxxxx and xxxxxx. - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-10/08/2025 |  |  | Full Review846600_xxxxxx_10_7_2025_53539_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846601 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 03:28 | 2025-10-24 08:10 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.5) - Due Diligence Vendor-09/24/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 846601_xxxxxx_846601_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846601 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 06:56 | 2025-10-22 16:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/22/2025 <br> Open-Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. <br> - Due Diligence Vendor-09/24/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 846601_xxxxxx_ICD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846601 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 06:52 | 2025-10-22 16:04 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 846601_xxxxxx_Homeownership-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846601 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 01:47 | 2025-10-22 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 846601_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846601 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 01:47 | 2025-10-22 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-10/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 846601_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846602 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 11:31 | 2025-10-24 08:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Greater than 2.5, CDA missing. - Due Diligence Vendor-09/24/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 |  |  | 846602_xxxxxx_846602_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846602 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 13:26 | 2025-10-24 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 |  |  | Full Review846602_xxxxxx_10_8_2025_32947_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846602 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 15:45 | 2025-10-09 09:17 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Drivers License provided for both borrowers. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 and Borrower 2 ID Card Missing in the file - Due Diligence Vendor-09/23/2025 |  | Resolved-Drivers License provided for both borrowers. - Due Diligence Vendor-10/09/2025 |  |  | Full Review846602_xxxxxx_10_8_2025_32952_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846603 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 14:24 | 2025-10-30 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Counter-Condition is for missing HOI Policy for xxxxxx - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Missing HOI for xxxxxx - Due Diligence Vendor-09/24/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 846603_xxxxxx_HOI-xxxxxx.pdf<br> 846603_xxxxxx_HOI.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846603 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 10:31 | 2025-10-29 09:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | xxxxxx F2 Notice for Home Equity Disclosure is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Counter-Documentation provided is not the missing disclosure - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-xxxxxx F2 Notice for Home Equity Disclosure is Missing\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* The F2 notice is not applicable to a new construction loan unless it is also a refinance of a xxxxxx home equity loan. Please advise to the purpose of the prior loan. - Due Diligence Vendor-10/03/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/29/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 846603_xxxxxx_Affidavit-xxxxxx.pdf<br> 846603_xxxxxx_Disclosure.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846603 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 03:58 | 2025-10-22 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 846603_xxxxxx_VOE-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846603 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 08:53 | 2025-10-22 09:29 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-B1 & B2 ID's are missing in file - Due Diligence Vendor-09/24/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 846603_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-29 12:09 | 2025-10-24 15:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please see LOe that went with the statements - Due Diligence Vendor-10/24/2025 <br> Counter-Document Uploaded. The Documentation being provided (printout for the account from 4/1-5/31) has an Account xxxxxx when the condition states missing 2 months for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-xxxxxx- there was a statement for June and then a printout for the account from 4/1-5/31 which covers two months (was attached) - Due Diligence Vendor-10/16/2025 <br> Counter-The condition is for 2 months Bank statements for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Asset 1 Less Than 2 Months Verified AUS finding #25 requires 2 months bank statements, only one month was provided for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-09/29/2025 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-10/24/2025 |  |  | Full Review846604_xxxxxx_10_10_2025_124119_PM.zip<br> Screenshot 2025-10-17 082739.jpg<br> 846604_xxxxxx_explanation_of_bank_accts.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-29 12:10 | 2025-10-24 15:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please see LOe that went with the statements - Due Diligence Vendor-10/24/2025 <br> Counter-Document Uploaded. The Documentation being provided (printout for the account from 4/1-5/31) has an Account xxxxxx when the condition states missing 2 months for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-xxxxxx- there was a statement for June and then a printout for the account from 4/1-5/31 which covers two months (was attached - Due Diligence Vendor-10/16/2025 <br> Counter-The condition is for 2 months Bank statements for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Asset 2 Less Than 2 Months Verified AUS finding #25 requires 2 months bank statements, only one month was provided for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-09/29/2025 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/24/2025 |  |  | Full Review846604_xxxxxx_10_10_2025_124105_PM.zip<br> Screenshot 2025-10-17 082952.jpg<br> 846604_xxxxxx_explanation_of_bank_accts.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-29 12:10 | 2025-10-24 15:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please see LOe that went with the statements - Due Diligence Vendor-10/24/2025 <br> Counter-Document Uploaded. The Documentation being provided (printout for the account from 4/1-5/31) has an Account xxxxxx when the condition states missing 2 months for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-xxxxxx- there was a statement for June and then a printout for the account from 4/1-5/31 which covers two months (was attached) - Due Diligence Vendor-10/16/2025 <br> Counter-The condition is for 2 months Bank statements for checking account xxxxxx with xxxxxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Asset 3 Less Than 2 Months Verified AUS finding #25 requires 2 months bank statements, only one month was provided for checking account xxxxxx with xxxxxx - Due Diligence Vendor-09/29/2025 |  | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/24/2025 |  |  | Full Review846604_xxxxxx_10_10_2025_124108_PM.zip<br> Screenshot 2025-10-17 083144.jpg<br> 846604_xxxxxx_explanation_of_bank_accts.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-29 12:11 | 2025-10-24 15:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please see LOe that went with the statements - Due Diligence Vendor-10/24/2025 <br> Counter-Document Uploaded. The Documentation being provided (printout for the account from 4/1-5/31) has an Account xxxxxx when the condition states missing 2 months for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-xxxxxx- there was a statement for June and then a printout for the account from 4/1-5/31 which covers two months (was attached) - Due Diligence Vendor-10/16/2025 <br> Counter-The condition is for 2 months Bank statements for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Asset 6 Less Than 2 Months Verified AUS finding #25 requires 2 months bank statements, only one month was provided for checking account xxxxxx with xxxxxx. - Due Diligence Vendor-09/29/2025 |  | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/24/2025 |  |  | Full Review846604_xxxxxx_10_10_2025_124110_PM.zip<br> Screenshot 2025-10-17 083329.jpg<br> 846604_xxxxxx_explanation_of_bank_accts.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 07:09 | 2025-10-24 08:13 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-09/23/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 |  |  | 846604_xxxxxx_846604_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 05:08 | 2025-10-24 08:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 |  |  | Full Review846604_xxxxxx_10_8_2025_30649_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 18:13 | 2025-10-13 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing income worksheet for all self employment and commisson income listed on the AUS. Final DTI subject to change upon receipt and review. - Due Diligence Vendor-09/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/13/2025 |  |  | Full Review846604_xxxxxx_10_10_2025_124103_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-26 18:45 | 2025-10-13 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/13/2025 <br> Ready for Review-see attached, we didnt used xxxxxx income therefore a VVOE wouldnt be required - Due Diligence Vendor-10/10/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing A VVOE is missing for xxxxxx financial, per page 222 the Borrower recently changed from xxxxxx to xxxxxx paid via W2. Paystubs in the file confirm Borrower is a salary employee. - Due Diligence Vendor-09/26/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/13/2025 |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846604 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-25 11:53 | 2025-10-07 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-10/06/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-09/25/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/07/2025 |  |  | Full Review846604_xxxxxx_10_6_2025_33721_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846605 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 10:59 | 2025-10-09 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 |  |  | Full Review846605_xxxxxx_10_8_2025_33427_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846605 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 11:22 | 2025-10-09 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 |  |  | Full Review846605_xxxxxx_10_8_2025_33459_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846606 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 04:22 | 2025-10-09 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.07 |  | Full Review846606_xxxxxx_10_8_2025_33039_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846606 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 04:22 | 2025-10-09 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.07 |  | Full Review846606_xxxxxx_10_8_2025_33051_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846607 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 02:36 | 2025-10-29 10:51 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved- - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Counter-Unable to open attachment - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Desk review was provided for an appraisal by xxxxxx valued at xxxxxx, however, that appraisal was not provided. - Due Diligence Vendor-09/30/2025 |  | Resolved-Appraisal provided - Due Diligence Vendor-10/29/2025 |  |  | 846607_xxxxxx_Appraisal-xxxxxx.pdf<br> 846607_xxxxxx_V2_Appraisal.pdf<br> 846607_xxxxxx_SSR.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846607 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 10:24 | 2025-10-22 17:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-TRID disclosures provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the all Initial Loan Estimates. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-TRID disclosures provided - Due Diligence Vendor-10/22/2025 |  |  | 846607_xxxxxx_LE-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846607 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 10:25 | 2025-10-22 17:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-TRID disclosures provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the all Initial & Revised Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-TRID disclosures provided - Due Diligence Vendor-10/22/2025 |  |  | 846607_xxxxxx_CD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846607 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 10:24 | 2025-10-22 17:04 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-SPL provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-SPL provided - Due Diligence Vendor-10/22/2025 |  |  | 846607_xxxxxx_SSP-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846607 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 10:23 | 2025-10-22 16:33 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846607_xxxxxx_Business_Disclosure-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846607 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 15:32 | 2025-10-07 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-10/06/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-09/23/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/07/2025 |  |  | Full Review846607_xxxxxx_10_6_2025_42016_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846608 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 13:08 | 2025-10-22 13:18 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-TRID history and disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Resolved-SPL provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Service Provider List is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-TRID history and disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Resolved-SPL provided - Due Diligence Vendor-10/22/2025 |  |  | 846608_xxxxxx_SSP-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846608 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 13:09 | 2025-10-22 13:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-TRID history and disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Revised LE is missing<br> Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-09/22/2025 |  | Resolved-TRID history and disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | Full Review846608_xxxxxx_10_21_2025_22729_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846608 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 13:10 | 2025-10-22 13:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-TRID history and disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Initial CD is missing<br>Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-09/22/2025 |  | Resolved-TRID history and disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | Full Review846608_xxxxxx_10_21_2025_22725_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846608 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 13:02 | 2025-10-22 13:06 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025 |  |  | 846608_xxxxxx_Homeownership_Counseling_Disclosure-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846608 | xxxxxx | C A | Closed | xxxxxx | 2025-09-24 11:46 | 2025-10-22 13:06 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846608_xxxxxx_Business_Disclosure-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846609 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 11:14 | 2025-10-24 08:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-LCA/CU >2.5. CDA Required. - Due Diligence Vendor-09/22/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 |  |  | 846609_xxxxxx_846609_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846609 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 03:38 | 2025-10-24 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846609_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846609 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 03:10 | 2025-10-22 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846609_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846609 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 03:10 | 2025-10-22 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846609_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846609 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 11:18 | 2025-10-10 10:34 | Resolved | 1 - Information C A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-No property disaster inspection report in file. - Due Diligence Vendor-09/22/2025 |  | Resolved-PDI provided - Due Diligence Vendor-10/10/2025 |  |  | Full Review846609_xxxxxx_10_9_2025_33711_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846610 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 12:10 | 2025-10-24 08:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-Missing CDA. LCA and CU >2.5. - Due Diligence Vendor-09/23/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025<br>|  |  | 846610_xxxxxx_846610_RDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846611 | xxxxxx | D A | Closed | xxxxxx | 2025-09-29 10:38 | 2025-10-13 08:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating NO DAMAGE. No apparent neighborhood or subject property factors that negatively impact marketability were observed - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. See attached PDI<br> - Due Diligence Vendor-10/10/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-09/29/2025 |  | Resolved-PDI provided stating NO DAMAGE. No apparent neighborhood or subject property factors that negatively impact marketability were observed - Due Diligence Vendor-10/13/2025 |  |  | Full Review846611_xxxxxx_10_10_2025_13619_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846611 | xxxxxx | D A | Closed | xxxxxx | 2025-09-26 11:51 | 2025-10-10 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. UW put income notes on the 1008 attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/10/2025 |  |  | Full Review846611_xxxxxx_10_9_2025_41810_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846611 | xxxxxx | D A | Closed | xxxxxx | 2025-09-26 10:32 | 2025-10-09 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 |  |  | Full Review846611_xxxxxx_10_8_2025_32530_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846612 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 09:00 | 2025-10-24 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA: xxxxxx - FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx / Appraisal completed prior to Disaster - Missing PDI from file. - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 |  |  | 846612_xxxxxx_846612_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846612 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 03:31 | 2025-10-24 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing. Please Provide purchase contract for subject property. - Due Diligence Vendor-09/23/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846612_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846612 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 03:04 | 2025-10-22 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846612_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846613 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 15:07 | 2025-10-10 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-\*\*\*Received Initial and revised GFE and Final HUD - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-09/19/2025 |  | Resolved-\*\*\*Received Initial and revised GFE and Final HUD - Due Diligence Vendor-10/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846613_xxxxxx_10_9_2025_34748_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846613 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 17:42 | 2025-10-10 12:23 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received Initial and revised GFE and Final HUD - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the All Loan Estimates & All Closing Disclosures. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/22/2025 |  | Resolved-\*\*\*Received Initial and revised GFE and Final HUD - Due Diligence Vendor-10/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846613_xxxxxx_10_9_2025_34748_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846613 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 10:06 | 2025-10-10 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/23/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846613_xxxxxx_10_9_2025_34743_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846613 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 17:40 | 2025-10-10 09:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Evidence of Rate Lock Missing Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/22/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846613_xxxxxx_10_9_2025_34746_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846613 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 15:29 | 2025-10-09 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846613_xxxxxx_10_8_2025_31055_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846614 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 08:48 | 2025-10-24 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase contract provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing Provide Purchase Agreement for the Subject Property with Sales Price xxxxxx. - Due Diligence Vendor-09/19/2025 |  | Resolved-Purchase contract provided - Due Diligence Vendor-10/24/2025 |  |  | 846614_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846614 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 08:57 | 2025-10-24 08:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA - xxxxxx - FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx - Appraisal dated prior to disaster - Missing PDI from file. - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 |  |  | 846614_xxxxxx_846614_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846614 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 08:24 | 2025-10-22 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Provide Co-Borrower " xxxxxx " Drivers License. - Due Diligence Vendor-09/19/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846614_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846614 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 08:24 | 2025-10-22 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Provide Drivers License For the Borrower " xxxxxx " . - Due Diligence Vendor-09/19/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 |  |  | 846614_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846615 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 05:25 | 2025-11-07 10:13 | Waived | 2 - Non-Material D B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Missing VOR - The request for an exception to Client's eligibility criteria is granted - Due Diligence Vendor-11/07/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 <br> Counter-Per xxxxxx Seller Guides B3-5.4-03, Documentation and Assessment of a Nontraditional Credit History (02/07/2024)- Housing Payment History - The borrower's housing payment history must be documented for the most recent consecutive 12-month period. The following documentation is acceptable: Canceled checks can be provided. In lieu of canceled checks, the lender may use the borrower's bank statements, copies of money orders, or other reasonable methods for documenting timely housing payments. The documentation must clearly indicate the payee and amount being paid, and reflect that payments were made on a consistent basis. Direct verification of the payment of rent from the landlord. Direct landlord verification is acceptable whether the landlord is an individual or a professional management company. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-VOR is not required.....from the seller - Due Diligence Vendor-10/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR with monthly payment of $3,150 for current residence is missing. - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Missing VOR - The request for an exception to Client's eligibility criteria is granted - Due Diligence Vendor-11/07/2025 | Audited reserves exceed guideline minimum - Audited reserves of 10.2 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7,389.86 exceeds 1.5x the minimum residual requirement | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846615 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 09:56 | 2025-10-22 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing Purchase Agreement not provided. - Due Diligence Vendor-09/22/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 10.2 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7,389.86 exceeds 1.5x the minimum residual requirement |  | 846615_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846615 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 06:21 | 2025-10-22 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Identity Statement provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Missing Patriot Act/Driver's License. - Due Diligence Vendor-09/19/2025 |  | Resolved-Identity Statement provided - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 10.2 months exceed Guideline required reserves by 2+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $7,389.86 exceeds 1.5x the minimum residual requirement |  | 846615_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846616 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 02:20 | 2025-11-07 10:15 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: The Identity Statements provided do not reflect the borrower's expiration dates for said ID. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 <br> Counter-The Identity Statements provided do not reflect the borrower's expiration dates for said ID. re: date expiration and number state, card identification or drivers license field are Blank - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing in file - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: The Identity Statements provided do not reflect the borrower's expiration dates for said ID. Passing Drive Report provided- Due Diligence Vendor-11/07/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 7031.87 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 26.24 months exceeds guideline required reserves by 6+ months | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more | 846616_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846616 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 02:20 | 2025-11-07 10:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: The Identity Statements provided do not reflect the borrower's expiration dates for said ID. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 <br> Counter-The Identity Statements provided do not reflect the borrower's expiration dates for said ID. re: date expiration and number state, card identification or drivers license field are Blank - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: The Identity Statements provided do not reflect the borrower's expiration dates for said ID. Passing Drive Report provided- Due Diligence Vendor-11/07/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 7031.87 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 26.24 months exceeds guideline required reserves by 6+ months | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more | 846616_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846616 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 03:02 | 2025-10-22 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing in file - Due Diligence Vendor-09/19/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 7031.87 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 26.24 months exceeds guideline required reserves by 6+ months |  | 846616_xxxxxx_Sales_Contract-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846616 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-23 13:20 | 2025-10-10 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images reflecting Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/10/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-09/23/2025 |  | Resolved-PDI with Images reflecting Free and clear of disaster related damage was provided. - Due Diligence Vendor-10/10/2025 | Residual Income Greater Than Minimum Guideline Requirement - Residual income of 7031.87 exceeds 1.5x guideline minimum<br> Audited reserves exceed guideline minimum - Audited reserves of 26.24 months exceeds guideline required reserves by 6+ months |  | Full Review846616_xxxxxx_10_9_2025_35856_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846617 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-22 09:18 | 2025-10-24 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA: xxxxxx - FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx / Appraisal completed prior to Disaster - Missing PDI from file. - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 | Audited reserves exceed guideline minimum - Audited reserves of 57.85 months exceed guideline required reserves by 10+ months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - - Qualifying FICO 798<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $16,180.17 exceeds 1.5x guideline minimum |  | 846617_xxxxxx_846617_xxxxxx-_PDF_-_R67872a.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846617 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 06:04 | 2025-10-24 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 57.85 months exceed guideline required reserves by 10+ months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - - Qualifying FICO 798<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $16,180.17 exceeds 1.5x guideline minimum |  | 846617_xxxxxx_Sales_Contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846617 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 05:47 | 2025-10-22 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 57.85 months exceed guideline required reserves by 10+ months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - - Qualifying FICO 798<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $16,180.17 exceeds 1.5x guideline minimum |  | 846617_xxxxxx_Patriot_Act-.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846617 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 13:34 | 2025-10-09 23:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for missing AUS with updated DTI based on comp factors provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Open-Audited DTI of 35.28% exceeds AUS DTI of 33.97%. Missing updated AUS with updated DTI. - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for missing AUS with updated DTI based on comp factors provided. - Due Diligence Vendor-10/10/2025  | Audited reserves exceed guideline minimum - Audited reserves of 57.85 months exceed guideline required reserves by 10+ months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - - Qualifying FICO 798<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $16,180.17 exceeds 1.5x guideline minimum | Compensating Factor 1 - Credit Score 30+ points > minimum required / <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846618 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-19 00:19 | 2025-10-31 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Borrower lived in xxxxxx, then moved to xxxxxx, and now to xxxxxx....from the seller - Due Diligence Vendor-10/30/2025 <br> Counter-xxxxxx Patriot Act Form states Borrower's drivers License is from "xxxxxx" however this is a Primary Residence and located in xxxxxx and was signed on xxxxxx - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-10/31/2025 |  |  | 846618_xxxxxx_xxxxxx-Patriot_Act.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846618 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-19 11:19 | 2025-10-22 10:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xxxxxx ICD and xxxxxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial closing disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-09/22/2025 |  | Resolved-xxxxxx ICD and xxxxxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 |  |  | 846618_xxxxxx_ICD-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846621 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-29 09:39 | 2025-10-24 08:33 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7) - Due Diligence Vendor-09/29/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 | Audited reserves exceed guideline minimum - Audited reserves of 10.08 months exceed Guideline required reserves by 4+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $13906.29 exceeds 1.5x the minimum residual requirement |  | 846621_xxxxxx_846621_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846621 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-29 01:53 | 2025-10-15 14:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception approved to allow property as a Rural on portfolio OTC program - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Exception granted with supporting comp factors: The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/15/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program rural exception not in file. per guidelines loans w/ MI- Property must be single family in a platted subdivision (no rural property allowable for OTC construction to perm program) <br> - Due Diligence Vendor-09/29/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception approved to allow property as a xxxxxx on portfolio OTC program - Due Diligence Vendor-10/15/2025  | Audited reserves exceed guideline minimum - Audited reserves of 10.08 months exceed Guideline required reserves by 4+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $13906.29 exceeds 1.5x the minimum residual requirement | Compensating Factor 1 - Credit Score 10 points > minimum required / <br> Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | Full Review846621_xxxxxx_10_15_2025_10823_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846621 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-29 01:31 | 2025-10-09 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/29/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 10.08 months exceed Guideline required reserves by 4+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $13906.29 exceeds 1.5x the minimum residual requirement |  | Full Review846621_xxxxxx_10_8_2025_32657_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846621 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-29 01:31 | 2025-10-09 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/29/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/09/2025 | Audited reserves exceed guideline minimum - Audited reserves of 10.08 months exceed Guideline required reserves by 4+ months<br> Residual Income Greater Than Minimum Guideline Requirement - Residual income of $13906.29 exceeds 1.5x the minimum residual requirement |  | Full Review846621_xxxxxx_10_8_2025_32703_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846622 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 10:48 | 2025-10-29 10:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/29/2025 <br> Open-CU/LCA not in tolerance, CDA required. - Due Diligence Vendor-09/19/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/29/2025 |  |  | 846622_xxxxxx_846622_RDA.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846622 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 13:18 | 2025-10-09 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/08/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/18/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/09/2025 |  |  | Full Review846622_xxxxxx_10_8_2025_32754_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846622 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 11:53 | 2025-10-08 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 |  |  | Full Review846622_xxxxxx_10_7_2025_53204_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846622 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 11:53 | 2025-10-08 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 |  |  | Full Review846622_xxxxxx_10_7_2025_53159_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846623 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 09:20 | 2025-10-30 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. see attached. Page 1 states account is escrowed for taxes and insurance. <br> - Due Diligence Vendor-10/29/2025 <br> Counter-CBR supplement provided however unable to determine if the $1045.00 is escrowed or not. Full PITIA needs to be verified. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Missing tax and insurance statements for xxxxxx. - Due Diligence Vendor-09/19/2025 |  |  |  |  | 846623_xxxxxx_Mortgage_Statement.pdf<br> 846623_xxxxxx_Report-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846623 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 08:36 | 2025-10-24 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-10/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Per FEMA Website: xxxxxx - Disaster Type: xxxxxx FEMA Incident Start Date xxxxxx - FEMA Declared Disaster Date xxxxxx - Appraisal is dated Prior to Disaster - Missing Post Disaster Inspection report - Due Diligence Vendor-10/22/2025 |  | Resolved-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/24/2025 |  |  | 846623_xxxxxx_846623_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846623 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 03:48 | 2025-10-24 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 |  |  | 846623_xxxxxx_Sales_Agreement-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846623 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 09:19 | 2025-10-22 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-CBR Supplement provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Missing mortgage statement for xxxxxx to verify taxes and insurance are escrowed. <br> - Due Diligence Vendor-09/19/2025 |  | Resolved-CBR Supplement provided - Due Diligence Vendor-10/22/2025 |  |  | 846623_xxxxxx_Mortgage_Statement.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846624 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 01:52 | 2025-10-30 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Counter-Missing Co-Borrower's "xxxxxx" xxxxxx Patriot Act Form - Only Primary Borrower "xxxxxx" was provided. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/30/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - - Audited DTI of 31.97%, guideline maximum of 43%<br>Audited reserves exceed guideline minimum - Audited reserves of 9.13 months exceed guideline minimum of 6 months by 2 or more months. |  | 846624_xxxxxx_Patriot_Act-xxxxxx.pdf<br> 846624_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846624 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-22 08:32 | 2025-10-30 09:00 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-10/22/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - - Audited DTI of 31.97%, guideline maximum of 43%<br>Audited reserves exceed guideline minimum - Audited reserves of 9.13 months exceed guideline minimum of 6 months by 2 or more months. | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> Compensating Factor 3 - Credit Score 10 points > minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846624 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 12:54 | 2025-10-22 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Missing Hazard Insurance Policy Hazard Insurance (from closing) and Buidler's Risk were not provided. - Due Diligence Vendor-09/18/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - - Audited DTI of 31.97%, guideline maximum of 43%<br>Audited reserves exceed guideline minimum - Audited reserves of 9.13 months exceed guideline minimum of 6 months by 2 or more months. |  | 846624_xxxxxx_HOI-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846624 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 01:52 | 2025-10-22 08:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - - Audited DTI of 31.97%, guideline maximum of 43%<br>Audited reserves exceed guideline minimum - Audited reserves of 9.13 months exceed guideline minimum of 6 months by 2 or more months. |  | 846624_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846625 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-22 08:25 | 2025-10-30 09:05 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-10/22/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Hazard Insurance Effective Date - Due Diligence Vendor-10/30/2025 | Audited reserves exceed guideline minimum - Audited reserves of 74.14 exceeds guideline minimum by 12 or more months.<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income of $9,412.83 exceeds 1.5x guideline minimum. | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / <br> Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846625 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 15:00 | 2025-10-24 08:37 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br>Open-LCA/CU are greater than 2.5. CDA not provided. - Due Diligence Vendor-09/18/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025<br>| Audited reserves exceed guideline minimum - Audited reserves of 74.14 exceeds guideline minimum by 12 or more months.<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income of $9,412.83 exceeds 1.5x guideline minimum. |  | 846625_xxxxxx_846625_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846625 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 15:12 | 2025-10-22 08:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - stating The Coverage A Dwelling amount is based on replacement cost as described in the policy. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br>Open-Missing Hazard Insurance Policy Hazard Policy from closing date and Builder's Risk missing. - Due Diligence Vendor-09/18/2025 |  | Resolved-Hazard Insurance Policy is fully present - stating The Coverage A Dwelling amount is based on replacement cost as described in the policy. - Due Diligence Vendor-10/22/2025<br>| Audited reserves exceed guideline minimum - Audited reserves of 74.14 exceeds guideline minimum by 12 or more months.<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income of $9,412.83 exceeds 1.5x guideline minimum. |  | 846625_xxxxxx_Hazard-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846625 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 03:07 | 2025-10-22 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 74.14 exceeds guideline minimum by 12 or more months.<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income of $9,412.83 exceeds 1.5x guideline minimum. |  | 846625_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846625 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 03:07 | 2025-10-22 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/22/2025 | Audited reserves exceed guideline minimum - Audited reserves of 74.14 exceeds guideline minimum by 12 or more months.<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income of $9,412.83 exceeds 1.5x guideline minimum. |  | 846625_xxxxxx_Patriot_Act-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846625 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 03:36 | 2025-10-09 23:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for neighborhood location based on comp factors provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, section 100.06.11 Mortgage Insurance (xxxxxx), Property must be single family in a platted subdivision (no rural property per loan program). <br> - Due Diligence Vendor-09/18/2025 |  | Waived-Client Exception Granted with compensating factors. Client provided guideline exception for neighborhood location based on comp factors provided. - Due Diligence Vendor-10/10/2025<br>| Audited reserves exceed guideline minimum - Audited reserves of 74.14 exceeds guideline minimum by 12 or more months.<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income of $9,412.83 exceeds 1.5x guideline minimum. | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / <br> Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 07:53 | 2025-10-29 09:55 | Resolved | 1 - Information A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) HPML Loan Type Test | Resolved-Verification of permanent financing reserve account for hazard and taxes received, xxxxxx - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Open- - Due Diligence Vendor-10/22/2025 <br> Open-Please provide proof of reserve account established in permanent loan servicing - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open-This loan failed the HPML loan type test. (xxxxxx Bulletin 2009-17)The loan is a HOEPA "higher-priced mortgage loan" (HPML) that is not eligible for purchase by xxxxxx because it is not one of the allowed loan types.In July 2008, the Board of Governors of the Federal Reserve System issued a final rule amending Regulation Z, which implements the Truth in Lending Act. The rule includes consumer protections that apply to a new category of "higher-priced mortgage loans." Regulation Z defines an HPML as a mortgage secured by the Borrower's principal residence with an annual percentage rate (APR) that (for a first-lien loan) is at least 1.5% higher than the average prime offer rate (APOR) for a comparable transaction as of the date the rate was set.xxxxxx will purchase HPMLs subject to certain eligibility requirements. Effective for applications dated on or after October 1, 2009, HPMLs sold to xxxxxx must be one of the following Mortgage Products:Fixed-rate mortgages;7/1 or 10/1 ARMs, or 7/6-month or 10/6-month ARMs.HPMLs sold to xxxxxx must not be:ARMS with an Initial Period or Interest Only Period less than 7 years. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Resolved-Verification of permanent financing reserve account for hazard and taxes received, xxxxxx - Due Diligence Vendor-10/29/2025<br>|  |  | 846626_xxxxxx_inquiry.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 07:53 | 2025-10-29 09:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Verification of permanent financing reserve account for hazard and taxes received, xxxxxx - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br> Open- - Due Diligence Vendor-10/22/2025 <br> Open-Please provide proof of reserve account established in permanent loan servicing - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Resolved-Verification of permanent financing reserve account for hazard and taxes received, xxxxxx - Due Diligence Vendor-10/29/2025<br>|  |  | 846626_xxxxxx_inquiry.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 07:53 | 2025-10-29 09:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Verification of permanent financing reserve account for hazard and taxes received, xxxxxx - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/29/2025 <br>Open- - Due Diligence Vendor-10/22/2025 <br>Open-Please provide proof of reserve account established in permanent loan servicing - Due Diligence Vendor-10/03/2025 <br>Open- - Due Diligence Vendor-10/03/2025 <br>Open- - Due Diligence Vendor-10/03/2025 <br>Open- - Due Diligence Vendor-10/03/2025 <br>Open- - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 <br>Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 |  | Resolved-Verification of permanent financing reserve account for hazard and taxes received, xxxxxx - Due Diligence Vendor-10/29/2025<br>|  |  | 846626_xxxxxx_inquiry.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-19 12:03 | 2025-10-22 11:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial closing disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-09/19/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/22/2025<br>|  |  | 846626_xxxxxx_ICD-xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-19 11:54 | 2025-10-22 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-IED established xxxxxx has need provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Escrow Waiver is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-IED established xxxxxx has need provided - Due Diligence Vendor-10/22/2025 |  |  | 846626_xxxxxx_Initial_Escrow-xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 03:09 | 2025-10-22 09:12 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/22/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx - Due Diligence Vendor-09/18/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/22/2025<br>|  |  | 846626_xxxxxx_Hazard-xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-03 15:32 | 2025-10-03 15:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is xxxxxx. The disclosed finance charge of xxxxxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 |  | Resolved- Compliance ran with incorrect entries and re-ran with correct entries resolving the error- Due Diligence Vendor-10/03/2025 |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846626 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-03 15:32 | 2025-10-03 15:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is xxxxxx. The disclosed total of payments of xxxxxx is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 |  | Resolved- Compliance ran with incorrect entries and re-ran with correct entries resolving the error- Due Diligence Vendor-10/03/2025 |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846627 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 05:10 | 2025-10-24 08:39 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.3) - Due Diligence Vendor-09/30/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-10/24/2025<br>|  |  | 846627_xxxxxx_846627_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846627 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 00:40 | 2025-10-16 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/15/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/16/2025 |  |  | Full Review846627_xxxxxx_10_14_2025_42227_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846628 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 02:08 | 2025-10-22 12:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/22/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, section 100.06.11 Mortgage Insurance (xxxxxx), Property must be single family in a platted subdivision (no rural properties for loan program). - Due Diligence Vendor-09/18/2025 |  | Waived-Client Exception Granted with compensating factors. The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - <br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by over 12 months. | Compensating Factor 1 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 2 - Credit Score 30+ points > minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 846628 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 03:37 | 2025-10-22 12:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client Exception Granted with compensating factors. The request for an exception to Client's eligibility criteria is granted for missing updated AUS. - Due Diligence Vendor-10/22/2025 <br> Open-Audited DTI of 49.29% exceeds AUS DTI of 48.58% Missing updated AUS with matching DTI. - Due Diligence Vendor-09/18/2025 |  | Waived-Client Exception Granted with compensating factors. The request for an exception to Client's eligibility criteria is granted for missing updated AUS. - Due Diligence Vendor-10/22/2025  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - <br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by over 12 months. | Reserves exceed requirement by 10 months or more<br> Credit Score 30+ points > minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 846628 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 10:38 | 2025-10-09 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. see attachment<br> - Due Diligence Vendor-10/09/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/18/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - <br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by over 12 months. |  | Full Review846628_xxxxxx_10_8_2025_30946_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846628 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 02:26 | 2025-10-08 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br>Open-Missing Hazard Insurance Policy and Builder's Risk Policy. - Due Diligence Vendor-09/18/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - <br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by over 12 months. |  | Full Review846628_xxxxxx_10_7_2025_45728_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846628 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 01:24 | 2025-10-08 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - <br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by over 12 months. |  | Full Review846628_xxxxxx_10_7_2025_45722_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846628 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 01:24 | 2025-10-08 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - <br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by over 12 months. |  | Full Review846628_xxxxxx_10_7_2025_45716_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846629 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 15:53 | 2025-10-24 08:40 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-10/24/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.4) - Due Diligence Vendor-09/18/2025 |  | Resolved-desk review provided - Due Diligence Vendor-10/24/2025<br>|  |  | 846629_xxxxxx_846629_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846629 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 10:45 | 2025-10-14 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income calcualtion provided on 1008. - Due Diligence Vendor-10/14/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/18/2025 |  | Resolved-Income calcualtion provided on 1008. - Due Diligence Vendor-10/14/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846629 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 11:24 | 2025-10-09 09:31 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. see attachment - Due Diligence Vendor-10/09/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/18/2025 |  |  |  |  | Full Review846629_xxxxxx_10_8_2025_31152_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846629 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 09:51 | 2025-10-08 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 |  |  | Full Review846629_xxxxxx_10_7_2025_50102_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846629 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-18 09:51 | 2025-10-08 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/18/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-10/08/2025 |  |  | Full Review846629_xxxxxx_10_7_2025_50102_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846632 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846669 | xxxxxx | C A | Closed | xxxxxx | 2025-10-11 12:31 | 2025-10-17 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Property Report provided verifying Borrower owned an investment property since xxxxxx and recently sold that property on xxxxxx - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. property profile to show proof the borrower is an experienced investor. She owned this property since xxxxxx and sold it on xxxxxx - Due Diligence Vendor-10/16/2025 <br> Open-. DSCR is less than 1. If less than 1, per guidelines: Borrower/guarantor must have a history of owning and managing commercial or non-owner occupied residential real estate for at least 1 year in last 3 years. No documentation was provided to evidence prior investor experience. - Due Diligence Vendor-10/11/2025 |  | Resolved-Property Report provided verifying Borrower owned an investment property since xxxxxx and recently sold that property on xxxxxx - Due Diligence Vendor-10/17/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review846669_xxxxxx_10_16_2025_125830_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846697 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 10:16 | 2025-08-25 10:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Per guides 'Primary housing" has to be verified 0x60x12 per Matrix/Guides under xxxxxx xxxxxx Index Specialty Lending Index 5-16-2025. Lender was unable to verify. Exception requested / approved for: "Exception approval for 10 months rental history. VOR from previous rental address can't be obtained". - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Per guides 'Primary housing" has to be verified 0x60x12 per Matrix/Guides under xxxxxx xxxxxx Index Specialty Lending Index 5-16-2025. Lender was unable to verify. Exception requested / approved for: "Exception approval for 10 months rental history. VOR from previous rental address can't be obtained". - Due Diligence Vendor-08/25/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · Current LTV is 43.684% less than max allowed.<br> · DSCR ratio of 1.41<br> · Borrower exceeds minimum credit score requirement by at least 71 points.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846697 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 09:57 | 2025-08-25 10:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Property has been listed for sale in the past six months | Waived-Client Exception Granted with compensating factors. Per appraiser subject has been listed for sale xxxxxx / in the past 6 months and withdrawn as a listing xxxxxx. This violates lender guides under "Index-Specialty Lending 5-16-2025" states subject can not be for sale during the past 6 months. Lender exception in file under doc pg #1 states "Exception approval for property listing which was removed in xxxxxx. Per guideline, properties listed for sale should be seasoned at least 6 months from the listing contract expiration date", exception approved too allow - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Per appraiser subject has been listed for sale xxxxxx / in the past 6 months and withdrawn as a listing xxxxxx. This violates lender guides under "Index-Specialty Lending 5-16-2025" states subject can not be for sale during the past 6 months. Lender exception in file under doc pg #1 states "Exception approval for property listing which was removed in xxxxxx. Per guideline, properties listed for sale should be seasoned at least 6 months from the listing contract expiration date", exception approved too allow - Due Diligence Vendor-08/25/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · Current LTV is 43.684% less than max allowed.<br> · DSCR ratio of 1.41<br> · Borrower exceeds minimum credit score requirement by at least 71 points.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846697 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 10:17 | 2025-08-25 10:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Client Exception Granted with compensating factors. Borrowers credit report does not meet minimum required credit scores and tradelines. Exception has been validated by TPR as follows: Exception approval for having no 24 months active tradeline. Per guideline, credit report with less than 3 scores must have at least 1 24 months open tradeline and active for the last 6 months - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Borrowers credit report does not meet minimum required credit scores and tradelines. Exception has been validated by TPR as follows: Exception approval for having no 24 months active tradeline. Per guideline, credit report with less than 3 scores must have at least 1 24 months open tradeline and active for the last 6 months - Due Diligence Vendor-08/25/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · Current LTV is 43.684% less than max allowed.<br> · DSCR ratio of 1.41<br> · Borrower exceeds minimum credit score requirement by at least 71 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846698 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:16 | 2025-09-08 14:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Allow the transfer of an appraisal older than 45 days from the application date, and without revisions for the incorrect number of units and additional commentary regarding "over supply". - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Allow the transfer of an appraisal older than 45 days from the application date, and without revisions for the incorrect number of units and additional commentary regarding "over supply". - Due Diligence Vendor-09/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months.<br>Borrower At Current Residence For Five (5) Or More Years - Experienced Investor, 0x30x12 on current mortgage debt. | COMPENSATING FACTORS: DSCR 1.09, 47+ MOS POST CLOSING RESERVES, EXPERIENCED INVESTOR, 0X30X12 ON CURRENT MTG DEBT, 55% LTV |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846698 | xxxxxx | B A | Closed | xxxxxx | 2025-08-26 08:46 | 2025-08-26 08:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. The Condo Questionnaire was not completed on the xxxxxx form. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. The Condo Questionnaire was not completed on the xxxxxx form. - Due Diligence Vendor-09/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months.<br>Borrower At Current Residence For Five (5) Or More Years - Experienced Investor, 0x30x12 on current mortgage debt. | COMPENSATING FACTORS: DSCR 1.09, 47+ MOS POST CLOSING RESERVES, EXPERIENCED INVESTOR, 0X30X12 ON CURRENT MTG DEBT, 55% LTV |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846698 | xxxxxx | B A | Closed | xxxxxx | 2025-08-26 08:44 | 2025-08-26 08:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. The absence of a 12-month payment history from the client on the primary residence. Available only, is the ledger and Verification of Mortgager from the lender. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. The absence of a 12-month payment history from the client on the primary residence. Available only, is the ledger and Verification of Mortgager from the lender. - Due Diligence Vendor-09/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months.<br>Borrower At Current Residence For Five (5) Or More Years - Experienced Investor, 0x30x12 on current mortgage debt. | COMPENSATING FACTORS: DSCR 1.09, 47+ MOS POST CLOSING RESERVES, EXPERIENCED INVESTOR, 0X30X12 ON CURRENT MTG DEBT, 55% LTV |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846699 | xxxxxx | B A | Closed | xxxxxx | 2025-08-26 07:26 | 2025-09-05 18:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. The borrower does not meet the minimum tradeline requirement of three reporting for a minimum of two years (borrower has 2 tradelines). - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. The borrower does not meet the minimum tradeline requirement of three reporting for a minimum of two years (borrower has 2 tradelines). - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 660.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Post closing reserves of 13 months with guideline minimum of 6 months. | DSCR of 1.42%<br> Post Closing Reserves of 13+ months<br> Qualifying FICO of 746 is higher than the minimum of 660 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846702 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 06:45 | 2025-09-05 18:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Housing event / modification does not meet guideline of 48 months. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Housing event / modification does not meet guideline of 48 months. - Due Diligence Vendor-09/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR of 1.36%<br> 42+ months of post closing reserves<br> Experienced investor with 0x30x12 on all mortgage obligations |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846718 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 16:04 | 2025-09-17 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. See guaranty - Due Diligence Vendor-09/17/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-09/11/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 129.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.42 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review846718_xxxxxx_9_15_2025_115736_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846730 | xxxxxx | D A | Closed | xxxxxx | 2025-09-04 08:57 | 2025-09-19 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/12/2025 <br> Open-Personal Guaranty is missing. Per Lender guides for Series 1 Non QM / xxxxxx Non-QM Elgibilty Guidelines 2.07.2025 / pg #21 states a Guaranty is required. Document is missing from file - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.31% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Guaranty agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846761 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846791 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846806 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-09 21:53 | 2025-09-26 09:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary or approval Not Provided - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846806 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 16:40 | 2025-09-26 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 213.58 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Counter-Document Uploaded. The Final HUD/SS provided states borrower has to being $547.36 to closing. and Per Guidelines: Standard: 3 Months PITIA (Loan Amount ≤ $1mm) required. CTC is short by $547.3 & Required reserves total needed is $6,747.48 - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Per Guidelines: Standard: 3 Months PITIA (Loan Amount ≤ $1mm) required. Missing Final HUD/SS from the file. - Due Diligence Vendor-09/15/2025 <br> Rescinded-Audited Reserves of are less than Guideline Required Reserves of 3 See missing Settlement Statement/CD Finding. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Audited Reserves of 213.58 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-09/26/2025 <br>Rescinded-Audited Reserves of are less than Guideline Required Reserves of 3 See missing Settlement Statement/CD Finding. - Due Diligence Vendor-09/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 6937 executed xxxxxx (2).pdf<br> Screenshot 2025-09-15 135100.jpg<br> pay history.pdf<br> PERFBUS CHK (...2196) - xxxxxx.com.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846806 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-09 21:53 | 2025-09-15 13:52 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Loan Disclosures Assumption Negative Amortization incomplete or inaccurate | Resolved-Final HUD/SS provided. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open-Final cd Missing in the package. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Final HUD/SS provided. - Due Diligence Vendor-09/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 6937 executed xxxxxx (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846806 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 16:43 | 2025-09-15 13:45 | Resolved | 1 - Information A | Credit | Title | Borrower's Name on Title Doesn't Match Deed Of Trust | Resolved-Signed SIGNATURE/NAME AFFIDAVIT provided. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Borrower name throughout file is different. Per SS Card, borrower name is xxxxxx. Borrower signed docs as xxxxxx. No AKA statement located in file. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Signed SIGNATURE/NAME AFFIDAVIT provided. - Due Diligence Vendor-09/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | AKA FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846806 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 16:36 | 2025-09-11 16:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Client Exception Granted with compensating factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. [Exception] required for modification (within 12 months of note date). - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with compensating factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. [Exception] required for modification (within 12 months of note date). - Due Diligence Vendor-09/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | 700 score ; Investor experience DSCR above 1 ; LTV 40.909% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 846813 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846815 | xxxxxx | D A | Closed | xxxxxx | 2025-09-16 18:59 | 2025-09-22 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-processor cert provided, no EIN. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. See processor cert and operating agreement - Buyer-09/19/2025 <br> Counter-Missing EIN - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/17/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of of IRS EIN document for business borrower signed under - xxxxxx - Due Diligence Vendor-09/16/2025 |  | Resolved-processor cert provided, no EIN. - Due Diligence Vendor-09/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.09 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx docs.pdf<br> xxxxxx processor cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846837 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846880 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846909 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 10:14 | 2025-09-30 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business LLC documents provided - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Signed LLC Docs - Due Diligence Vendor-09/29/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-09/18/2025 |  | Resolved-Business LLC documents provided - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review846909_xxxxxx_9_29_2025_112054_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846936 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847006 | xxxxxx | B A | Closed | xxxxxx | 2025-10-06 04:14 | 2025-10-15 10:03 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. 1008 Uploaded. xxxxxx! - Due Diligence Vendor-10/10/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review847006_xxxxxx_10_9_2025_32033_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847033 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847054 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847103 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847157 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847161 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 17:03 | 2025-09-23 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. C/o refi, assets not needed. UW removed them and 1008 states those are the only assets used. - Due Diligence Vendor-09/22/2025 <br> Open-Asset 1 Missing Bank states missing: xxxxxx Savings & Checking accounts - Due Diligence Vendor-09/18/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-09/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.83% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 159.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.91 Years |  | Full Review847161_xxxxxx_9_22_2025_11717_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847186 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847193 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847289 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847300 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847397 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 847416 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847417 | xxxxxx | B A | Closed | xxxxxx | 2025-09-07 16:31 | 2025-09-10 09:55 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Exception to allow xxxxxx account (xxxxxx) in xxxxxx in lieu of reserves requirements. <br> Requesting an exception for 70% LTV with the subject DSCR remaining at 0.96%. - Due Diligence Vendor-09/07/2025 |  | Waived-Client Exception Granted with compensating factors. Exception to allow xxxxxx account (xxxxxx) in xxxxxx in lieu of reserves requirements. <br> Requesting an exception for 70% LTV with the subject DSCR remaining at 0.96%. - Due Diligence Vendor-09/07/2025 | Property Equity - LTV of 70% is based on lower purchase price of xxxxxx. Appraisal supports additional $6,000 in equity not reflected in LTV.<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.8 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 17.34 months reserves <br> Under 3 months marketing time in xxxxxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847417 | xxxxxx | B A | Closed | xxxxxx | 2025-09-07 16:30 | 2025-09-07 16:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 65% Guidelines require an LTV of 65% for a purchase transaction with a DSCR of 0.96% - Due Diligence Vendor-09/07/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 65% Guidelines require an LTV of 65% for a purchase transaction with a DSCR of 0.96% - Due Diligence Vendor-09/07/2025<br>| Property Equity - LTV of 70% is based on lower purchase price of xxxxxx. Appraisal supports additional $6,000 in equity not reflected in LTV.<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.8 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 17.34 months reserves <br> Under 3 months marketing time in xxxxxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847419 | xxxxxx | B A | Closed | xxxxxx | 2025-09-11 14:33 | 2025-09-15 10:32 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Client Exception Granted with compensating factors. Exception is required for not having a passport from country of origin. Consular ID and Driver's license is in file. - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with compensating factors. Exception is required for not having a passport from country of origin. Consular ID and Driver's license is in file. - Due Diligence Vendor-09/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low qualifying LTV - - Qualifying LTV of 63.75% | • Reserves exceed minimum required by 17.69 months.<br> • All consumer credit paid as agreed in the most recent 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 847420 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847421 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-06 02:13 | 2025-09-12 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Counter-Missing Operating Agreement and Certificate of Good Standing - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Seller-09/10/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN The Loan is closed by "xxxxxx". Missing the following documentation to verify existence and standing: Operating Agreement, Certificate of Good Standing, IRS EIN Document, Articles of Formation. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/10/2025<br>| Resolved-Business Documents provided. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | LLC VESTING ï¿½ ARTICLES OF INCORPORATION.pdf<br> LLC VESTING ï¿½ IRS EIN LETTER.pdf<br> LLC VESTING ï¿½ CERTIFICATE OF GOOD STANDING.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847421 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-10 09:26 | 2025-09-10 09:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 67.02% exceeds Guideline LTV of 60% EXCEPTION FOR CURRENT LTV OF 67.022% EXCEEDS THE MAX OF 60% FOR NO PRIMARY RESIDENCE (15% LTV REDUCTION). - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 67.02% exceeds Guideline LTV of 60% EXCEPTION FOR CURRENT LTV OF 67.022% EXCEEDS THE MAX OF 60% FOR NO PRIMARY RESIDENCE (15% LTV REDUCTION). - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.03, 2. FICO score is 720, 3. Post closing reserves is 111.67 months which program requires 2 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 847421 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-10 09:30 | 2025-09-10 09:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY IS LOCATED IN RURAL AREA. - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY IS LOCATED IN xxxxxx. - Due Diligence Vendor-09/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.03, 2. FICO score is 720, 3. Post closing reserves is 111.67 months which program requires 2 months.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 847422 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847423 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 847424 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847426 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-07 10:50 | 2025-09-19 16:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Lender exception for exceeding 65% LTV for no primary residence. - Due Diligence Vendor-09/19/2025 <br>Ready for Review-These are electronic we are paperless - Seller-09/17/2025 <br>Counter-The Exception form provided is not Dated - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 65% Missing signed and dated lender exception (exception in file is neither) for LTV of 74.999% exceeds the max of 65% for no primary residence. - Due Diligence Vendor-09/07/2025 | Ready for Review-These are electronic we are paperless - Seller-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Waived-Client Exception Granted with compensating factors. Lender exception for exceeding 65% LTV for no primary residence. - Due Diligence Vendor-09/19/2025<br>| Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years)<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO 714<br> DSCR: 1.10 | EXCEPTION FORM (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847426 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-09 13:23 | 2025-09-12 07:04 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Appraisal is Missing Appraisal with 1007 is missing - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-09/12/2025<br>| Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years)<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847427 | xxxxxx | B A | Closed | xxxxxx | 2025-09-06 08:54 | 2025-09-10 08:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 65% 75% EXCEEDS THE MAX ALLOWED OF 65% FOR FTHB. - Due Diligence Vendor-09/06/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 65% 75% EXCEEDS THE MAX ALLOWED OF 65% FOR FTHB. - Due Diligence Vendor-09/06/2025<br>| Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years)<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | 781 FICO HIGHER THAN 640 MINIMUM, DSCR 1.07, 2 MONTHS POST CLOSING RESERVES |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847427 | xxxxxx | B A | Closed | xxxxxx | 2025-09-06 09:01 | 2025-09-10 08:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements VOR PROVIDED FROM PRIVATE LANDLORD. BORROWER DOES NOT HAVE THE 12 MONTHS PROOF OF RENT. - Due Diligence Vendor-09/06/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements VOR PROVIDED FROM PRIVATE LANDLORD. BORROWER DOES NOT HAVE THE 12 MONTHS PROOF OF RENT. - Due Diligence Vendor-09/06/2025<br>| Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years)<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | 781 FICO HIGHER THAN 640 MINIMUM, DSCR 1.07, 2 MONTHS POST CLOSING RESERVES. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847428 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:20 | 2025-09-08 14:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines: Exception for 100% client project exposure. Per guideline, maximum exposure on a project is 20% -09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines: Exception for 100% client project exposure. Per guideline, maximum exposure on a project is 20% -09/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847428 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:20 | 2025-09-08 14:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines: Exception for 100% investor concentration, guideline max investor concentration is 60% - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines: Exception for 100% investor concentration, guideline max investor concentration is 60% - Due Diligence Vendor-09/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847428 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:20 | 2025-09-08 14:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Potential Ownership issues identified in file | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines: Exception for Single entity ownership of 100%, guideline max is 20%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines: Exception for Single entity ownership of 100%, guideline max is 20%. - Due Diligence Vendor-09/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847428 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 09:06 | 2025-09-05 18:53 | Waived | 2 - Non-Material B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with compensating factors. Exception to waive the missing questionnaire and review of a xxxxxx unit xxxxxx project. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Exception to waive the missing questionnaire and review of a xxxxxx unit xxxxxx project. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847428 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 09:07 | 2025-09-05 18:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing current budget from HOA | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception to waive Condo full review. Property is a xxxxxx but no existing HOA for a xxxxxx unit project. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception to waive Condo full review. Property is a xxxxxx but no existing HOA for a xxxxxx unit project. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847428 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 09:05 | 2025-09-05 18:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception Required for xxxxxx loan amount which does not meet the minimum required of $150,000. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception Required for xxxxxx loan amount which does not meet the minimum required of $150,000. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847429 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-08 14:21 | 2025-09-08 14:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Exception for 100% client project exposure, Per guideline, maximum exposure on a project is 20%;- Due Diligence Vendor-09/08/2025 | 75+ months post closing reserves<br> FICO of 772 - 09/08/2025 <br>| Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Exception for 100% client project exposure, Per guideline, maximum exposure on a project is 20%;- Due Diligence Vendor-09/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 204.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847429 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-08 14:21 | 2025-09-08 14:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Exception for 100% investor occupancy concentration, max per guideline is 60%; - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Exception for 100% investor occupancy concentration, max per guideline is 60%; - Due Diligence Vendor-09/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 204.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847429 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 13:56 | 2025-09-05 19:07 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Single entity ownership is 100%, max per guideline is 20%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Single entity ownership is 100%, max per guideline is 20%. - Due Diligence Vendor-09/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 204.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847429 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 13:53 | 2025-09-05 19:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with compensating factors. Exception to waive the missing questionnaire and review of a xxxxxx unit xxxxxx project.-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Exception to waive the missing questionnaire and review of a xxxxxx unit xxxxxx project.-09/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 204.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847429 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 16:42 | 2025-09-02 09:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. There's no loan of xxxxxx; the funds used for the downpayment and closing costs came from the other LLC Member xxxxxx and gift funds from Father xxxxxx (for units xxxxxx).<br>Units xxxxxx EMD – came from xxxxxx, an LLC member<br> Units xxxxxx funds to close – came from xxxxxx, an LLC member so funds will not be considered a loan nor gift since the depositor is also an owner of the property. Attached is the escrow receipt of funds from xxxxxx for units xxxxxx<br> Units xxxxxx funds to close came from gift funds from xxxxxx, attached is the escrow receipt of gift funds for units xxxxxx<br>- Seller-08/29/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Missing documentation about xxxxxx loan as mentioned on 1003 but also gift letter mentioned in closing instructions. This appears to be the source of further deposits on xxxxxx units. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. There's no loan of xxxxxx; the funds used for the downpayment and closing costs came from the other LLC Member xxxxxx and gift funds from Father xxxxxx (for units xxxxxx).<br>Units xxxxxx EMD – came from xxxxxx, an LLC member<br> Units xxxxxx funds to close – came from xxxxxx, an LLC member so funds will not be considered a loan nor gift since the depositor is also an owner of the property. Attached is the escrow receipt of funds from xxxxxx for units xxxxxx<br> Units xxxxxx funds to close came from gift funds from xxxxxx, attached is the escrow receipt of gift funds for units xxxxxx<br>- Seller-08/29/2025 | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 204.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Gift Funds.pdf<br> FUNDS FROM xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847430 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-08 14:22 | 2025-09-08 14:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847430 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 17:30 | 2025-09-05 19:20 | Waived | 2 - Non-Material B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with compensating factors. Lender exception to waive condo full review. Part of xxxxxx unit xxxxxx project with no HOA. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with compensating factors. Lender exception to waive condo full review. Part of xxxxxx unit xxxxxx project with no HOA. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847430 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 06:31 | 2025-09-05 19:17 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. 100% single entity ownership exceeds the max allowed of 20%. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. 100% single entity ownership exceeds the max allowed of 20%. - Due Diligence Vendor-09/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847430 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 06:29 | 2025-09-05 19:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception Required for xxxxxx loan amount did not meet the minimum required of $150,000.00. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Exception Required for xxxxxx loan amount did not meet the minimum required of $150,000.00. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847430 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 17:37 | 2025-09-02 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. There's no loan of xxxxxx; the funds used for the downpayment and closing costs came from the other LLC Member xxxxxx and gift funds from Father xxxxxx (for units xxxxxx).<br>Units xxxxxx EMD – came from xxxxxx, an LLC member<br> Units xxxxxx funds to close – came from xxxxxx, an LLC member so funds will not be considered a loan nor gift since the depositor is also an owner of the property. Attached is the escrow receipt of funds from xxxxxx for units xxxxxx<br> Units xxxxxx funds to close came from gift funds from xxxxxx, attached is the escrow receipt of gift funds for units xxxxxx<br>- Seller-08/29/2025 <br> Open-Asset 5 Missing Missing information about xxxxxx borrowed mentioned on 1003, appears to be source of closing funds for xxxxxx units. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. There's no loan of xxxxxx; the funds used for the downpayment and closing costs came from the other LLC Member xxxxxx and gift funds from Father xxxxxx (for units xxxxxx).<br>Units xxxxxx EMD – came from xxxxxx, an LLC member<br> Units xxxxxx funds to close – came from xxxxxx, an LLC member so funds will not be considered a loan nor gift since the depositor is also an owner of the property. Attached is the escrow receipt of funds from xxxxxx for units xxxxxx<br> Units xxxxxx funds to close came from gift funds from xxxxxx, attached is the escrow receipt of gift funds for units xxxxxx<br>- Seller-08/29/2025 | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years |  | Gift Funds.pdf<br> FUNDS FROM xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847431 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:43 | 2025-09-08 14:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Contribution Does Not Meet Minimum Requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Lender exception for not meeting 5% borrower contribution. Borrower getting 100% gift funds. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Lender exception for not meeting 5% borrower contribution. Borrower getting 100% gift funds. - Due Diligence Vendor-09/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847431 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 07:37 | 2025-09-05 19:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with lender exception. Lender exception to waive full condo review. Borrowers buying all xxxxxx units in HOA. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with lender exception. Lender exception to waive full condo review. Borrowers buying all xxxxxx units in HOA. - Due Diligence Vendor-09/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847431 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 07:17 | 2025-09-05 19:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847432 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-08 14:45 | 2025-09-08 14:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Contribution Does Not Meet Minimum Requirements | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847432 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 18:34 | 2025-09-05 19:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with compensating factors. Lender exception for waiving condo review for xxxxxx unit HOA. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with compensating factors. Lender exception for waiving condo review for xxxxxx unit HOA. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847432 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 19:05 | 2025-09-05 19:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. 100% single entity ownership exceeds max allowed of 20%. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. 100% single entity ownership exceeds max allowed of 20%. - Due Diligence Vendor-09/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847432 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 18:53 | 2025-09-05 19:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for loan amount of xxxxxx less than the $150,000 minimum allowed <br> - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Missing lender exception for loan amount. Page 1 of exceptions shows xxxxxx as loan amount for this loan but turned out to be lower. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for loan amount of xxxxxx less than the $150,000 minimum allowed <br> - Due Diligence Vendor-09/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 | 0100 Exception Form - revised.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847432 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-28 18:52 | 2025-09-04 09:50 | Resolved | 1 - Information C A | Credit | Income | Continuity of Income Unsupported | Resolved-xxxxxx provided. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Counter-Missing "xxxxxx printout" of short term rental income to support DSCR calculation - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Likelihood of income to continue is not supported. Missing xxxxxx printout of short term rental income to support DSCR calculation. Other loans in group have similar docs. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-xxxxxx provided. - Due Diligence Vendor-09/04/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years |  | xxxxxx RECEIPT.pdf<br> CCA_ARR.pdf<br> xxxxxx - unit xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847433 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 08:18 | 2025-09-05 19:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with compensating factors. Condo project does not meet guidelines. Client waived with compensating factors. Condo project does not meet guidelines. Exception on 100% xxxxxx project exposure. Per guideline, maximum exposure on a project is only 20% and investor concentration 60%. - Due Diligence Vendor-09/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847433 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 19:27 | 2025-09-05 19:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with compensating factors. Lender exception to waive condo full review, property is a xxxxxx but no existing HOA. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. HOA Questionnaire Document status is Missing. Client waived with compensating factors. Lender exception to waive condo full review, property is a xxxxxx but no existing HOA. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847433 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 08:16 | 2025-09-05 19:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. 100% single entity ownership exceeds the max allowed of 20%. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived with compensating factors. 100% single entity ownership exceeds the max allowed of 20%. - Due Diligence Vendor-09/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.91 Years | 75+ months post closing reserves<br> FICO of 772 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847495 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847498 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 16:38 | 2025-10-02 17:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. See bank statement - Due Diligence Vendor-09/26/2025 <br> Open-Asset 1 Missing Missing the following bank statements: xxxxxx Bank account #xxxxxx - Due Diligence Vendor-09/23/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-09/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review847498_xxxxxx_9_26_2025_23954_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847498 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 15:56 | 2025-09-30 08:01 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. 1004D - Due Diligence Vendor-09/29/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report was provided - Due Diligence Vendor-09/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review847498_xxxxxx_9_29_2025_102543_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847498 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 18:08 | 2025-09-29 10:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. See final HUD - Due Diligence Vendor-09/26/2025 <br>Open-Missing final closing disclosure - Due Diligence Vendor-09/23/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review847498_xxxxxx_9_26_2025_23921_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847499 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847500 | xxxxxx | C A | Closed | xxxxxx | 2025-09-30 08:52 | 2025-10-03 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property report and HOI policy (primary is free & clear) provided. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see the attached Property Profile Report. xxxxxx! - Due Diligence Vendor-10/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide housing history and proof of ownership for bwr primary residence at xxxxxx requires housing history for primary residence. Client LTV xxxxxx matrix/Matrix requires First Time Investor must own a primary residence, if applicable. - Due Diligence Vendor-09/30/2025 |  | Resolved-Property report and HOI policy (primary is free & clear) provided. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review847500_xxxxxx_10_2_2025_45248_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847513 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847542 | xxxxxx | B A | Closed | xxxxxx | 2025-10-06 16:53 | 2025-10-15 10:03 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see 1008. xxxxxx! - Due Diligence Vendor-10/13/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review847542_xxxxxx_10_13_2025_110240_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847558 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847598 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 09:56 | 2025-11-04 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Please see attached UDN. - Due Diligence Vendor-11/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing - Due Diligence Vendor-10/30/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 17.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review847598_xxxxxx_11_3_2025_43753_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847609 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847611 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847612 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847647 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847653 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847703 | xxxxxx | D A | Closed | xxxxxx | 2025-09-29 07:08 | 2025-10-02 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. See attached HOI<br> - Due Diligence Vendor-10/02/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. - Due Diligence Vendor-09/29/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review847703_xxxxxx_10_1_2025_33208_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847704 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 14:37 | 2025-12-11 14:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow 50% non-owner occupied concentration in subject development. - Due Diligence Vendor-12/11/2025 <br> Open-xxxxxx project with <50% of the units sold to owner occupants (subject project has 25% owner occupied units) is not allowable per guideline. - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow 50% non-owner occupied concentration in subject development. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* Experienced investor owns and manages 2 or more properties for 12 months<br> \* Credit Score 30+ points > minimum required<br> \* Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847704 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-01 06:02 | 2025-10-01 06:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Unable to verify 6 months rent payments (pays in cash to private party). - Due Diligence Vendor-10/01/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Unable to verify 6 months rent payments (pays in cash to private party). - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* Experienced investor owns and manages 2 or more properties for 12 months<br> \* Credit Score 30+ points > minimum required<br> \* Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847723 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847743 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 08:53 | 2025-10-08 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First Payment Letter (escrowed) provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Mortgage statement is missing for 'xxxxxx ' - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-First Payment Letter (escrowed) provided - Due Diligence Vendor-10/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847841 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847898 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 12:14 | 2025-10-09 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-The Flood cert located in the Lenders loan file reflected xxxxxx, xxxxxx - Lender provided a Corrected Flood cert - Due Diligence Vendor-10/09/2025 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. 10/8/25 - Lender response: Flood cert does show xxxxxx as the unit number. Please re-review attached and clear condition. - Due Diligence Vendor-10/08/2025 <br> Open-The unit # is incorrect on the flood certificate. The unit # should be #xxxxxx - Due Diligence Vendor-10/06/2025 |  | Resolved-The Flood cert located in the Lenders loan file reflected xxxxxx, xxxxxx - Lender provided a Corrected Flood cert - Due Diligence Vendor-10/09/2025 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review847898_xxxxxx_10_8_2025_40335_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847905 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847917 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847923 | xxxxxx | C A | Closed | xxxxxx | 2025-09-26 01:37 | 2025-10-01 11:23 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved- - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open-xxxxxx Patriot Act has been provided which is Expired. New Identity Card is required. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |  | DL & RENEWAL LETTER FOR DL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847923 | xxxxxx | C A | Closed | xxxxxx | 2025-09-26 01:18 | 2025-10-01 11:23 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-09/30/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847930 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847943 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847960 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847964 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 16:38 | 2025-11-04 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (escrowed) & HOA statement provided - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Missing taxes, Insurance and HOA for Primary xxxxxx - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Mortgage statement (escrowed) & HOA statement provided - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.67 Years |  | proof HOA dues.pdf<br> PHH Mtg PITI pymt.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848006 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848008 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848009 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848023 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 00:27 | 2025-11-20 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income worksheets are now provided. Separate pages are acceptable. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. Income worksheet - Due Diligence Vendor-11/20/2025 <br>Counter-Missing the Bank statement worksheet reflecting all the deposits / excluded deposits - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. See worksheet - Due Diligence Vendor-11/14/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary is missing in file - Due Diligence Vendor-11/11/2025 |  | Resolved-Income worksheets are now provided. Separate pages are acceptable. - Due Diligence Vendor-11/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 848023_xxxxxx_income_calc_wkst.pdf<br> Full Review848023_xxxxxx_11_19_2025_32814_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848023 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 00:52 | 2025-11-14 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Mortgage Statement - Due Diligence Vendor-11/14/2025 <br> Open-Mortgage Statement is missing for "xxxxxx" - Due Diligence Vendor-11/11/2025 |  | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-11/14/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 848023_xxxxxx_mtg_statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848048 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848053 | xxxxxx | D A | Closed | xxxxxx | 2025-10-13 05:54 | 2025-10-20 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-The Assignment of Leases and Rents Rider is attached and was in the file we delivered to Client. This is acceptable in lieu of. - Due Diligence Vendor-10/17/2025 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-10/13/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review848053_xxxxxx_10_16_2025_53219_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848129 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848142 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848153 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848170 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 13:21 | 2025-10-14 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/13/2025 <br> Counter-The P&L provided is signed by xxxxxx however unable to confirm who this person is, Is is a CPA? no CPA/PTIN number provided. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. p & l signed - Buyer-10/10/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing P&L executed, dated and audited for business xxxxxx supporting no less than $17981.07 a month in income - Due Diligence Vendor-10/10/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.33 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.17 Years |  | p & l.pdf<br>CPA.pdf<br>CPA Letter 09-17-2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848197 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848218 | xxxxxx | B A | Closed | xxxxxx | 2025-10-01 06:32 | 2025-10-03 11:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV is 70% for cash out on Condo. Seek exception to<br> 75% - Due Diligence Vendor-10/01/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV is 70% for cash out on Condo. Seek exception to<br> 75% - Due Diligence Vendor-10/01/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Experienced investor owns and manages 10 or more properties for 12 months<br>0x30 for 48 months on subject mortgage |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 848221 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848240 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848255 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-06 14:04 | 2025-10-14 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see attached Title. - Due Diligence Vendor-10/13/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/06/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review848255_xxxxxx_10_13_2025_110543_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848255 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-09 13:03 | 2025-10-09 13:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client Exception Granted with compensating factors. Exception request due to subject is an SFR w/ 2 permitted ADU'S, the appraiser was only able to locate comp xxxxxx which is also an SFR w/ 2 ADU'S but its dated from<br> xxxxxx and there is no other available comp that is an SFR w/ 2 ADU'S . Exception was approved xxxxxx / Doc pg #530 - Due Diligence Vendor-10/09/2025 |  | Waived-Client Exception Granted with compensating factors. Exception request due to subject is an SFR w/ 2 permitted ADU'S, the appraiser was only able to locate comp xxxxxx which is also an SFR w/ 2 ADU'S but its dated from<br> xxxxxx and there is no other available comp that is an SFR w/ 2 ADU'S . Exception was approved xxxxxx / Doc pg #530 - Due Diligence Vendor-10/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848318 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-24 20:20 | 2025-09-24 20:21 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Credit Report Supplement is missing | Waived-Client Exception Granted with compensating factors. Originator exception granted with compensating factors to allow the use of a payment ledger and bank statements to document unrated mortgage payment history - Due Diligence Vendor-09/25/2025 <br>Open-Missing sufficient mortgage payment history documentation for unrated mortgages. - Due Diligence Vendor-09/25/2025 |  | Waived-Client Exception Granted with compensating factors. Originator exception granted with compensating factors to allow the use of a payment ledger and bank statements to document unrated mortgage payment history - Due Diligence Vendor-09/25/2025<br>| Experienced real estate investor - borrower has long term investment property ownership and management experience<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 55% LTV <br> Experienced Investor in an established market <br> 8.84 Months Reserves (not using cash-out) <br> 1.28DSCR <br> Appraisal Market rents as itemized on the appraisal, are equal to the Current rents as itemized on the appraisal |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848318 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 07:18 | 2025-09-12 16:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with compensating factors. FICO SCORE OF 647 IS BELOW 680 MINIMUM <br> - Due Diligence Vendor-09/12/2025 |  | Waived-Client Exception Granted with compensating factors. FICO SCORE OF 647 IS BELOW 680 MINIMUM <br> - Due Diligence Vendor-09/12/2025<br>| Experienced real estate investor - borrower has long term investment property ownership and management experience<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 55% LTV <br> Experienced Investor in an established market <br> 8.84 Months Reserves (not using cash-out) <br> 1.28DSCR <br> Appraisal Market rents as itemized on the appraisal, are equal to the Current rents as itemized on the appraisal |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848318 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 07:17 | 2025-09-12 16:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Client Exception Granted with compensating factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. GUIDELINES REQUIRE 48 MONTHS SEASONING FROM A LOAN MODIFICATION BORROWER JUST RECENTLY WAS GRANTED ON xxxxxx A LOAN EXTENTION DUE TO MATURITY xxxxxx <br> - Due Diligence Vendor-09/12/2025 |  | Waived-Client Exception Granted with compensating factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. GUIDELINES REQUIRE 48 MONTHS SEASONING FROM A LOAN MODIFICATION BORROWER JUST RECENTLY WAS GRANTED ON xxxxxx A LOAN EXTENTION DUE TO MATURITY xxxxxx <br> - Due Diligence Vendor-09/12/2025 | Experienced real estate investor - borrower has long term investment property ownership and management experience<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 55% LTV, Experienced Investor in an established market, 8.84 Months Reserves (not using cash-out), 1.28DSCR, Appraisal Market rents as itemized on the appraisal, are equal to the Current rents as itemized on the appraisal. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848318 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 16:16 | 2025-09-12 16:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Client Exception Granted with compensating factors. 2X30X12 MORTGAGE RATING DOES NOT MEET THE REQURED 0X30X12 ON MORTGAGE TO BE PAID OFF. 1X30X12 ON: xxxxxx, AND xxxxxx - Due Diligence Vendor-09/12/2025 |  | Waived-Client Exception Granted with compensating factors. 2X30X12 MORTGAGE RATING DOES NOT MEET THE REQURED 0X30X12 ON MORTGAGE TO BE PAID OFF. 1X30X12 ON: xxxxxx, AND xxxxxx - Due Diligence Vendor-09/12/2025 | Experienced real estate investor - borrower has long term investment property ownership and management experience<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 55% LTV, Experienced Investor in an established market, 8.84 Months Reserves (not using cash-out), 1.28DSCR, Appraisal Market rents as itemized on the appraisal, are equal to the Current rents as itemized on the appraisal. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848325 | xxxxxx | B A | Closed | xxxxxx | 2025-10-08 08:50 | 2025-10-08 08:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Exception granted for investor < 12 months<br>Requesting an exception for the borrower owning an investment property for 10.5 months. The guideline requirement is 12 - Due Diligence Vendor-10/08/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Exception granted for investor < 12 months<br>Requesting an exception for the borrower owning an investment property for 10.5 months. The guideline requirement is 12 - Due Diligence Vendor-10/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.4% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | -Credit Score 782, LTV 57%, <br> - Excess reserves has $100,000 in reserves after closing. <br> - The borrower is putting down 43%  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848394 | xxxxxx | B A | Closed | xxxxxx | 2025-09-24 14:47 | 2025-09-26 13:41 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-09/26/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/24/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review848394_xxxxxx_9_26_2025_105553_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848404 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848408 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848430 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848461 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848487 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848515 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848518 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 04:33 | 2025-11-19 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Attached please find the insurance for the ADU that was inadvertently omitted from the file as well as the qualifying, AUS, payment, escrow etc. There is also an underwriter certification explaining what happened. Please have this reviewed and advise further docs needed etc - Due Diligence Vendor-10/30/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Please clarify hazard coverage. Replacement cost estimate is for a xxxxxx sq ft property, Appraisal states xxxxxx sq ft between the xxxxxx. Insurance coverage policy and invoice mention xxxxxx and xxxxxx (ADU?) xxxxxx. Appears additional information needed to cover xxxxxx. Policy provided appears to cover xxxxxx being rented but not xxxxxx occupied by owner. - Due Diligence Vendor-10/24/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.92% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 848518_xxxxxx_UW_letter.pdf<br> 848518_xxxxxx_revised_transmittal.pdf<br> 848518_xxxxxx_HOI_CURRENT_TERM.pdf<br> 848518_xxxxxx_ERC.pdf<br> 848518_xxxxxx_ADU_renewal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848518 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 14:17 | 2025-11-19 13:16 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Other Property Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Other Property Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see current and preclose policy for the ADU. - Due Diligence Vendor-11/18/2025 <br> Counter-The condition is for the ADU Prior Policy - Provided Prior ADU HOI Policy prior to the closing date of xxxxxx (Policy provided effective dates are xxxxxx) - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please note there are two insurance policies - the current one that runs thru xxxxxx and the renewal thru 2026 - Due Diligence Vendor-11/04/2025 <br> Open-Provided Prior ADU HOI Policy prior to the closing date of xxxxxx (Policy provided effective dates are xxxxxx) - Due Diligence Vendor-10/31/2025 |  | Resolved-Other Property Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Other Property Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-11/19/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.92% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review848518_xxxxxx_11_3_2025_32421_PM.zip<br> Full Review848518_xxxxxx_11_18_2025_115638_AM.zip<br> HOI (7).pdf<br> RE_ 848518.msg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848537 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848544 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848558 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 08:05 | 2025-09-16 10:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Min Loan Amount $400K - Seeking xxxxxx - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 400000 Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $400,000. Comments Provided for xxxxxx Loan amount exception on the 1008. No exception approval in file. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Min Loan Amount $400K - Seeking xxxxxx - Due Diligence Vendor-09/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 142.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 142.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Fico 20+ points<br> PITIA reserves above min by 6 months<br> DSCR >1.00<br> Experienced Investor | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848559 | xxxxxx | B A | Closed | xxxxxx | 2025-06-06 11:49 | 2025-06-06 11:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% 5% LTV exception to 80% for Rate/Term DSCR refinance, approved. - Due Diligence Vendor-06/06/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% 5% LTV exception to 80% for Rate/Term DSCR refinance, approved. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | The Borrower's FICO score exceeds guideline minimum by 20+ points. PITIA reserves above the minimum 6 months. DSCR calculation for the subject property exceeds 1.00%. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 848561 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 12:33 | 2025-12-11 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow xxxxxx unit property for a first time investor. - Due Diligence Vendor-12/11/2025 <br> Open-Subject property is a xxxxxx unit property and is unallowable for a first time investor. - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow xxxxxx unit property for a first time investor. - Due Diligence Vendor-12/11/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | PITIA Reserves above min by 6 months<br> DSCR >1.00 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848561 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-01 04:52 | 2025-09-05 10:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Max LTV is 70% - Seeking 80%<br> - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 70% 1008 and rate lock showed Exception 10% of LTV for FTI but missing lender exception approval form. - Due Diligence Vendor-09/01/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Max LTV is 70% - Seeking 80%<br> - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | PITIA Reserves above min by 6 months<br> DSCR >1.00 | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848561 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-04 00:41 | 2025-09-05 10:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Min Fico 720 - Seeking 692 - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Audited FICO of 692 is less than Guideline FICO of 720 1008 and rate lock show First Time Investor exception for below 720 FICO but missing lender exception approval form. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Min Fico 720 - Seeking 692 - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | PITIA Reserves above min by 6 months<br> DSCR >1.00 | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848562 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-26 11:03 | 2025-08-26 14:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 1008 - FINAL (77).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848562 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-26 10:38 | 2025-08-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | EXISTING HAZARD INSURANCE (26).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848562 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-26 11:08 | 2025-08-26 11:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception(page 467) for DSCR being below 1.0 - Due Diligence Vendor-08/26/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception(page 467) for DSCR being below 1.0 - Due Diligence Vendor-08/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO 20+ points above minimum<br> Reserves 6 months over minimum |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848563 | xxxxxx | B A | Closed | xxxxxx | 2025-08-18 19:31 | 2025-08-20 15:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 698 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 1008 - FINAL (73).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848565 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-11 13:56 | 2025-12-11 13:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow 71B appraisal as primary valuation. - Due Diligence Vendor-12/11/2025 <br>Open-xxxxxx Form 71B appraisal is not permitted per guidelines - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow 71B appraisal as primary valuation. - Due Diligence Vendor-12/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | Good FICO and reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848565 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 12:47 | 2025-09-15 10:43 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-PER SECTION 8.14.1 OF GUIDES WE CAN USE 75% OF MARKET RENT FOR THE VACANT UNITS. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Updated the market rent to $7400 yielding DSCR calc 1.21. I updated the 1008 to reflect the figures used also. We can 75% occupancy rate for vacant units - Seller-09/12/2025 <br> Open-Subject DSCR of 0.867 is less than the guidelines minimum 1.0 DSCR for xxxxxx Unit properties. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Updated the market rent to $7400 yielding DSCR calc 1.21. I updated the 1008 to reflect the figures used also. We can 75% occupancy rate for vacant units - Seller-09/12/2025<br>| Resolved-PER SECTION 8.14.1 OF GUIDES WE CAN USE 75% OF MARKET RENT FOR THE VACANT UNITS. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | transmittal_19_pdf (29).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848565 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-10 16:21 | 2025-09-15 10:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | transmittal_19_pdf (29).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848565 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-10 16:20 | 2025-09-15 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 18.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | DATAVERIFY DRIVE REPORT (20).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848566 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848567 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 10:25 | 2025-09-23 10:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-1008/Underwriting Summary Not Provided Underwriting Summary/Approval Not Provided for this DSCR xxxxxx unit cash out transaction. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/02/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 111.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.62% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Original LTV Of 31.62% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | transmittal_19_pdf (30).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848571 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | NO CASH-OUT - OTHER |  |  |  |
| 848722 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848728 | xxxxxx | D A B | Closed | xxxxxx | 2025-09-25 10:16 | 2025-10-01 11:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/01/2025 <br>Resolved-1008 Provided - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. 1008 UPLOADED - Seller-09/29/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. 1008 UPLOADED - Seller-09/29/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/01/2025 <br>Resolved-1008 Provided - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848728 | xxxxxx | D A B | Closed | xxxxxx | 2025-09-29 10:25 | 2025-09-29 11:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final xxxxxx provided - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/29/2025 <br> Open-Final HUD is missing from the loan file. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/29/2025 | Resolved-Final xxxxxx provided - Due Diligence Vendor-09/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | SIGNED xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848733 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848775 | xxxxxx | D A | Closed | xxxxxx | 2025-10-14 16:36 | 2025-10-20 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Power of Attorney missing or unexecuted | Resolved- - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. See attached POA - Due Diligence Vendor-10/17/2025 <br>Open-Closing documents signed with Power of Attorney (POA), POA is missing from loan file. - Due Diligence Vendor-10/14/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 761.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 761.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - 30.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review848775_xxxxxx_10_16_2025_24941_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848790 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 10:24 | 2025-10-10 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see the attached Bank Statements. - Due Diligence Vendor-10/09/2025 <br> Open-Asset 4 Missing Missing xxxxxx xxxxxx bank statements - Due Diligence Vendor-10/02/2025 |  | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-10/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | Full Review848790_xxxxxx_10_9_2025_94843_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848801 | xxxxxx | C A | Closed | xxxxxx | 2025-10-23 21:14 | 2025-11-14 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.44% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-11/14/2025 <br> Ready for Review-The business bank statements show xxxxxx, xxxxxx, and xxxxxx. We should be able to exclude all three debts for the dti to be what the 1008 states. xxxxxx. - Buyer-11/13/2025 <br> Counter-Business bank statements reflect Auto Loan (xxxxxx iao $805.00 along with 2 xxxxxx cards and xxxxxx CC are paid by the business. those have been excluded - Audited DTI is 53.04% vs Lenders DTI of 48.719% <br> Breakdown as follows: Total Income $24,993.00 / REO Rent loss -$612.61 (xxxxxx) / Total Other Monthly debts $8554.00 = $13,257.40 vs Lenders $12,176.45 <br> - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Buyer-11/06/2025 <br> Open-Audited DTI of 58.9% exceeds Guideline DTI of 55% There are debts listed on the credit report that are not included on the final 1003. QC could not find an updated credit report that showed these have been paid off. xxxxxx card for $231 a month and xxxxxx for $306 a month - Due Diligence Vendor-10/24/2025 |  | Resolved-Audited DTI of 48.44% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-11/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.44% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.75 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years |  | xxxxxx updated 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848823 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848888 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848946 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 03:14 | 2025-11-07 08:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Requesting exception for < 3 months reserves. Borrower has 2.26. Slightly under the 3 months needed. The request for an exception to Client eligibility criteria is granted. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. please see exception from investor is approved - Buyer-11/06/2025 <br> Counter-Document Uploaded. The Email provided does not address if the Less than 3 months Investor is requiring is approved. See screenshot of the Approved Exception form - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/05/2025 <br> Counter-Document Uploaded. The Exception form states "requesting to proceed with the 4 months of reserves that we have" however per the PCCD zero cash back to borrower and Verified Assets coming from xxxxxx (business) $5,557.49 Dated xxxxxx - Reserves are short reserves by $9,205.63 - Audited Reserves are 2.26 months not 4 months. Updated Approved Exception needed. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br> Counter-Per Guidelines, 6 months reserves required = $14,763.12 - Verified Assets coming from xxxxxx (business) $5,557.49 Dated xxxxxx - Reserves are short reserves by $9,205.63 - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/30/2025 <br> Open-Audited Reserves of 2.26 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-10/28/2025 |  | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Requesting exception for < 3 months reserves. Borrower has 2.26. Slightly under the 3 months needed. The request for an exception to Client eligibility criteria is granted. - Due Diligence Vendor-11/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.42 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.92 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | 60% LTV, <br> No cash in hand to borrower, <br> 767 fico score, <br> 99 months mortgage history 0x30, <br> 12 years self employed, <br> residual income >3K | PCCD xxxxxx.pdf<br> Exception Request xxxxxx.pdf<br> Screenshot 2025-11-04 124929.jpg<br> Screenshot 2025-11-04 124929.jpg<br> Client exception.pdf<br> Screenshot 2025-11-06 111639.jpg<br> xxxxxx exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 848946 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-28 15:46 | 2025-10-30 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. CPA attached - Buyer-10/29/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-10/28/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/30/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.42 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.92 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | CPA xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848946 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 09:56 | 2025-10-30 09:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-10/30/2025 <br>Resolved-Notice of Right to Cancel has been provided for xxxxxx. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. NRTC signed - Buyer-10/29/2025 <br>Open-Right of Rescission is Missing Right of Rescission is Missing - Due Diligence Vendor-10/29/2025 <br>Open-Right of Rescission is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-10/30/2025 <br> Resolved-Notice of Right to Cancel has been provided for xxxxxx. - Due Diligence Vendor-10/30/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.42 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.92 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | nortc xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848972 | xxxxxx | C A | Closed | xxxxxx | 2025-10-15 14:02 | 2025-10-21 11:18 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Corrected homeowner's insurance attached - Due Diligence Vendor-10/20/2025 <br> Open-Subject Property on Note does not match Insured Property Address Address on hazard dec page is not correct. Street name should be xxxxxx - Due Diligence Vendor-10/15/2025 |  | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 158.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review848972_xxxxxx_10_20_2025_84133_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848979 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848982 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849026 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 06:21 | 2025-10-10 09:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Note attached - Buyer-10/09/2025 <br>Open-The Note is Missing. - Due Diligence Vendor-10/06/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-10/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 20.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |  | note.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849073 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849094 | xxxxxx | C A | Closed | xxxxxx | 2025-09-30 17:05 | 2025-10-10 15:49 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. 10/9/25 - please see unexpired Visas for both borrowers. - Due Diligence Vendor-10/10/2025 <br> Counter-the guidelines require Copy of the borrower's valid and unexpired "Visa" (including photograph) OR an I-797 form with valid extension dates and I-94. Screenshot of those Guideline requirements were uploaded in this condition. SCREENSHOT 2025-10-07 120642.JPG - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. 10/7/25 - Please see passports for Borrowers. Passports are not expired and were manually uploaded thru xxxxxx to avoid system issues in receipt. Please review and clear condition. - Buyer-10/07/2025 <br> Counter-Document Uploaded. Per Guidelines: Copy of the borrowers valid and unexpired passport (including photograph) "and" Copy of the borrower's valid and unexpired visa (including photograph) OR an I-797 form with valid extension dates and I-94. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. 10/6/25 - Passports are not expired. The passport expires xxxxxx for borrower and co-borrower xxxxxx - Due Diligence Vendor-10/06/2025 <br> Open-As Per Guidelines for Foreign National Copy of the borrower 1&2 valid and unexpired visa is required - Due Diligence Vendor-09/30/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | Full Review849094_xxxxxx_10_6_2025_41502_PM.zip<br> Screenshot 2025-10-07 120642.jpg<br> Passport_xxxxxx.pdf<br> Passport_xxxxxx (1).pdf<br> Full Review849094_xxxxxx_10_9_2025_50900_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849094 | xxxxxx | C A | Closed | xxxxxx | 2025-09-30 16:58 | 2025-10-08 11:16 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. 10/7/25 - Lender's condition loan approval has been manually uploaded thru xxxxxx to avoid system receipt issues. Please review and clear condition. - Buyer-10/07/2025 <br> Counter-The condition is for the Lenders 1008 that reflects the loan terns, Value, DSCR Calculations, Fico etc - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. 10/6/25 - Underwriters Loan Summary CLA uploaded - Due Diligence Vendor-10/06/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | Full Review849094_xxxxxx_10_6_2025_41344_PM.zip<br> CLA (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849129 | xxxxxx | C A | Closed | xxxxxx | 2025-10-01 11:10 | 2025-10-07 08:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849129 | xxxxxx | C A | Closed | xxxxxx | 2025-10-01 11:10 | 2025-10-07 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 13.63 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Counter-Final 1003 does not reflect any Assets/Banking Information the proof of available funds via wire and VOD are in the name of xxxxxx however no business entity docs were located in the file. Missing Business Documents verifying ownership via Operating agreement, Business License etc. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Audited Reserves of 13.63 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-10/07/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Asset for reserves.pdf<br> xxxxxx_OA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849129 | xxxxxx | C A | Closed | xxxxxx | 2025-10-01 10:47 | 2025-10-07 08:39 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Counter-Final 1003 does not reflect any Assets/Banking Information the proof of available funds via wire and VOD are in the name of xxxxxx however no business entity docs were located in the file. Missing Business Documents verifying ownership via Operating agreement, Business License etc. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Total Liquid Assets Available for Close of $10614.02 is less than Total Cash to Close $177023.26. Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $17702326. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-10/07/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Receipt (Wire) - Sep 29th, 1_04 PM.pdf<br> Wire Tranfer to title.pdf<br> Wire confirmation.pdf<br> xxxxxx_OA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849187 | xxxxxx | C A | Closed | xxxxxx | 2025-10-28 05:41 | 2025-11-14 17:22 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Updated 1008 provided - using more conservative calculation for qualifying DTI. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Is there a reason why we can't use a lower income? - Buyer-11/13/2025 <br>Counter-Document Uploaded. The updated 1008 appears to be using the Total Expenses paid iao $196,484.00 / 24 = $8186.83 vs the Net profit amount of $763,316.00 / 24 = $31,804.83 which is what would be used to calculate the true income - Due Diligence Vendor-10/30/2025 <br>Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. see new 1008. income was updated - Buyer-10/29/2025 <br>Open-Income and Employment Do Not Meet Guidelines Provide letter of explanation- Qualified income of $63,626.33 a month is using net income from PNL of $763,516/12 months for however CPA letters, Lock confirmation, Lender worksheet and Profit and Loss show 24 months used to qualify Period: 9/01/2023-08/31/2025 - Due Diligence Vendor-10/28/2025 |  | Resolved-Updated 1008 provided - using more conservative calculation for qualifying DTI. - Due Diligence Vendor-11/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.78 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Prater updated 1008.pdf<br>Screenshot 2025-10-30 123055.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849211 | xxxxxx | C A | Closed | xxxxxx | 2025-10-17 07:57 | 2025-11-05 08:07 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/05/2025 <br> Ready for Review-the letter says sole proprietor (That return included a Schedule C for or xxxxxx as a Sole Proprietor.), which means he is the only person - Buyer-11/04/2025 <br> Counter-the CPA letter provided does not reflect the borrower's ownership percentage of 25% owner or more of xxxxxx business, per guidelines - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/31/2025 <br> Open-Income and Employment Do Not Meet Guidelines proivde documentation showing Borrower 1 is 25% owner or more of xxxxxx business, per guidelines provide - CPA/Accountant, IRS Enrolled Agent, or Licensed Tax Preparer letter, operating <br> agreement, or equivalent, reflecting the borrower's ownership percentage. <br> - Due Diligence Vendor-10/17/2025 |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.34% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx xxxxxx xxxxxx - CPA.pdf<br> xxxxxx Letter to Mortgage - CPA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849211 | xxxxxx | C A | Closed | xxxxxx | 2025-10-16 07:52 | 2025-10-21 12:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/20/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-10/16/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.34% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849248 | xxxxxx | C A | Closed | xxxxxx | 2025-10-16 07:42 | 2025-10-24 08:43 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-10/24/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) Validated - Due Diligence Vendor-10/17/2025 |  | Resolved-desk review provided - Due Diligence Vendor-10/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 14.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 115.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 849248_xxxxxx_CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849264 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849293 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 08:45 | 2025-10-31 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see final 1003 - Due Diligence Vendor-10/31/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review849293_xxxxxx_10_30_2025_21017_PM.zip<br> 849293_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849336 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849349 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-06 13:41 | 2025-11-11 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-11/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap report within 10 days prior to closing. Mortgage supplement in file as of xxxxxx but not a gap report. (page 189 of guidelines) - Due Diligence Vendor-11/06/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 849349_xxxxxx_2786_gap_cred_rpt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849349 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-06 13:58 | 2025-11-07 05:51 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines Exception request for Excessive NSFs; borrower has 10 NSFs in the last 12 months, 0 in the last 3 months. guideline maximum is 5 - Due Diligence Vendor-11/06/2025 |  | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines Exception request for Excessive NSFs; borrower has 10 NSFs in the last 12 months, 0 in the last 3 months. guideline maximum is 5 - Due Diligence Vendor-11/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 2 months or more<br> DTI <= 36% which is below requirement in guidelines<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849371 | xxxxxx | B A | Closed | xxxxxx | 2025-11-17 06:56 | 2025-11-17 06:56 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client Exception Granted with compensating factors. Allow use of P&L & 2 months statements utilizing the CES program - Due Diligence Vendor-11/17/2025 |  | Waived-Client Exception Granted with compensating factors. Allow use of P&L & 2 months statements utilizing the CES program - Due Diligence Vendor-11/17/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Credit Score Credit Score 30+ points > minimum required<br> Residual Income Residual income more than 2.5x the amount required by guidelines.<br> Housing (Mortgage) History 0x30 for 48 months on all mortgages |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849394 | xxxxxx | B A | Closed | xxxxxx | 2025-10-15 09:34 | 2025-10-15 09:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with compensating factors. Audited FICO of 698 is less than Guideline FICO of 700 Allow fico score of 698 for FTI (min is 700) - Due Diligence Vendor-10/15/2025 |  | Waived-Client Exception Granted with compensating factors. Audited FICO of 698 is less than Guideline FICO of 700 Allow fico score of 698 for FTI (min is 700) - Due Diligence Vendor-10/15/2025<br>| Investment Propert DSCR Exceeds 1.15 - qualifying DSCR is 1.356<br> Qualifying reserves exceed guideline minimum by 2+ months | Reserves exceed requirement by 2 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849396 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849419 | xxxxxx | C A | Closed | xxxxxx | 2025-10-22 03:05 | 2025-10-27 12:28 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. please see updated 1008& 1003 removed - other income - not used - Buyer-10/24/2025 <br>Open-Income 2 Months Income Verified is Missing Documentation to support the Borrowers other income for Rental properties of $40,000 was not provided. - Due Diligence Vendor-10/23/2025 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-10/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 1008_PC REMOVE OTHER INC_NOT USED.pdf<br>PS CLOSE _ REMOVE OTHER INC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849461 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849552 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 16:33 | 2025-11-12 13:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.24 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Asset documentation. - Due Diligence Vendor-11/12/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 12 Audited Reserves of -0- months are less than Guideline Required Reserves of 12 months. - Due Diligence Vendor-10/24/2025 |  | Resolved-Audited Reserves of 12.24 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-11/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | Full Review849552_xxxxxx_11_11_2025_35619_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849552 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 16:15 | 2025-11-12 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached Retirement Funds xxxxxx totaling $60508.71. - Due Diligence Vendor-11/09/2025 <br> Open-Asset 2 Missing: Retirement Funds xxxxxx totalling $60,508.71 per 1003.<br> - Due Diligence Vendor-10/24/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-11/10/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | 849552_xxxxxx_retirement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849552 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 16:15 | 2025-11-12 13:51 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Asset documentation. - Due Diligence Vendor-11/12/2025 <br>Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $105961.17. Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $105,961.17. - Due Diligence Vendor-10/27/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | Full Review849552_xxxxxx_11_11_2025_35702_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849552 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 10:39 | 2025-11-12 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx statement/vod showing $28322.96 . - Due Diligence Vendor-11/09/2025 <br>Open-Asset 1 Missing, missing xxxxxx statement/vod showing $28,322.96 per 1003. - Due Diligence Vendor-10/27/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-11/10/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | 849552_xxxxxx_statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849552 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 10:39 | 2025-11-12 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Gift Letter. - Due Diligence Vendor-11/09/2025 <br>Open-Asset 3 Missing Gift letter and funds totalling $20,000 per 1003. - Due Diligence Vendor-10/27/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-11/10/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | 849552_xxxxxx_-_Gift.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849580 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849595 | xxxxxx | B A | Closed | xxxxxx | 2025-10-15 06:38 | 2025-10-17 09:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with compensating factors. Audited FICO of 677 is less than Guideline FICO of 700 \* Current Guideline: 1st time investor minimum FICO score 700<br> \* Exception to Current Guideline :1st time investor FICO score 677 - Due Diligence Vendor-10/15/2025 |  | Waived-Client Exception Granted with compensating factors. Audited FICO of 677 is less than Guideline FICO of 700 \* Current Guideline: 1st time investor minimum FICO score 700<br> \* Exception to Current Guideline :1st time investor FICO score 677 - Due Diligence Vendor-10/15/2025<br>| Original LTV (70%) is below the guideline maximum by five percent (5%) or more<br> Audited reserves exceed guideline required reserves by 2+ months | \* 70% LTV (5 points below maximum)<br> \* LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \* Reserves exceed requirement by 2 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849619 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 06:58 | 2025-10-31 14:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Loan program disclosure missing or unexecuted | Resolved-Borrower Certification of Business Purpose provided, - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see BP cert - Due Diligence Vendor-10/31/2025 <br> Open-Per lender guides under xxxxxx Correspondent Non-Agency Seller Guides 4.21.2025 Final under guide pg #120 under 2.8, this lender does require a "Borrower Certification of Business Purpose" on all DSCR loans (purchase and refinance). Lender provides a link to the disclosure. This disclosure or an equivalent disclosure is required and missing from file. - Due Diligence Vendor-10/31/2025 |  | Resolved-Borrower Certification of Business Purpose provided, - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review849619_xxxxxx_10_31_2025_114419_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849712 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 06:08 | 2025-11-26 03:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. 11/25/25 - please see UDN. - Due Diligence Vendor-11/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/17/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/26/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.06 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.93% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review849712_xxxxxx_11_25_2025_44710_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849727 | xxxxxx | C A | Closed | xxxxxx | 2025-11-04 12:30 | 2025-11-07 10:22 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Valid Drivers License for B2 was provided. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. DL - Due Diligence Vendor-11/07/2025 <br> Open-Borrower 2- xxxxxx DL is Expired xxxxxx, please provide updated DL or other unexpired ID - Due Diligence Vendor-11/04/2025 |  | Resolved-Valid Drivers License for B2 was provided. - Due Diligence Vendor-11/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.42 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.25 Years |  | Full Review849727_xxxxxx_11_6_2025_40112_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849796 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849812 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-06 12:30 | 2025-10-15 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Personal Guaranty is Partial/Incomplete | Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025 <br> Open-Personal Guaranty is incomplete. Guaranty is by xxxxxx, a xxxxxx rather than just xxxxxx as individual. Missing guaranty by borrower as individual. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025<br>| Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-10/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) |  | Guranty -8985.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849812 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-06 13:26 | 2025-10-15 15:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for Audited FICO of 683 is less than Guideline FICO of 700 granted - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025 <br>Open-Audited FICO of 683 is less than Guideline FICO of 700 Missing lender exception for FTHB minimum credit score of 700 - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for Audited FICO of 683 is less than Guideline FICO of 700 granted - Due Diligence Vendor-10/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) | MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS | FICO exception-8985.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849812 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-06 13:19 | 2025-10-15 15:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for rent free borrower and no investor experience granted. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing lender exception for rent free borrower and no investor experience. Guidelines say borrower must have primary residence or currently renting. Rent free letter in file. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for rent free borrower and no investor experience granted. - Due Diligence Vendor-10/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) | MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS | Housing History exception-8985.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849812 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-01 16:55 | 2025-10-15 15:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for Audited LTV 70% granted - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Missing lender exception for LTV due to No Ratio DSCR with < 700 credit score, FTHB and DSCR < .75 - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/14/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Exception for Audited LTV 70% granted - Due Diligence Vendor-10/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years) | > 6 months reserves | LTV exception-8985.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849939 | xxxxxx | C A | Closed | xxxxxx | 2025-10-27 16:59 | 2025-10-28 14:08 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-confirmation of the borrowers application date provided, xxxxxx - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Documentation provided does not include confirmation of the borrowers application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-confirmation of the borrowers application date provided, xxxxxx - Due Diligence Vendor-10/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.09 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | dates from our system.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850040 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850044 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850057 | xxxxxx | B A | Closed | xxxxxx | 2025-11-21 06:18 | 2025-11-21 06:18 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception Granted with compensating factors. Exception approved for tolerance / deviations for borrowers NSFs exceeding the max allowed per guides/tolerance. borrower has 1 NSF and 11 overdrafts within the last 12 months; 1 overdraft within the last 3 months . Per Client Flow guides under xxxxxx Correspondent Non- Agency Seller Guide 11.10.2025. Final under pg #197 states "Restrictions for NSF Occurrences: If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. - Due Diligence Vendor-11/21/2025 |  | Waived-Client Exception Granted with compensating factors. Exception approved for tolerance / deviations for borrowers NSFs exceeding the max allowed per guides/tolerance. borrower has 1 NSF and 11 overdrafts within the last 12 months; 1 overdraft within the last 3 months . Per Client Flow guides under xxxxxx Correspondent Non- Agency Seller Guide 11.10.2025. Final under pg #197 states "Restrictions for NSF Occurrences: If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. - Due Diligence Vendor-11/21/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.86% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.13 Years | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 2 - Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 850062 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-17 12:29 | 2025-12-02 09:08 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved- TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see attached TRID disclosure history and docs. - Due Diligence Vendor-12/01/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closaing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-11/17/2025 |  | Resolved- TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 51.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 24.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review850062_xxxxxx_12_1_2025_11933_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850062 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-18 10:37 | 2025-11-18 10:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. Borrower's business is a party to a pending lawsuit case. - total potential liability of $83k is covered by documented misc professional liability insurance up to $1mm - Due Diligence Vendor-11/18/2025 |  | Waived-Client Exception Granted with compensating factors. Borrower's business is a party to a pending lawsuit case. - total potential liability of $83k is covered by documented misc professional liability insurance up to $1mm - Due Diligence Vendor-11/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 51.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 24.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | - LTV/CLTV 5% or more below maximum allowed under applicable guidelines<br> - Residual income more than 2.5x the amount required by guidelines<br> - DTI <+ 35% which is below requirement in guideline |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850115 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850125 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850144 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 08:08 | 2025-08-25 08:08 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived-Client Exception Granted with compensating factors. Lender exception for borrower providing VOR and waiving requirement for canceled checks as rent paid in cash. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Lender exception for borrower providing VOR and waiving requirement for canceled checks as rent paid in cash. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years | 10 non mortgage tradelines paid as agreed since 2014<br> Post closing reserves 7+ months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850144 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 08:07 | 2025-08-25 08:07 | Waived | 2 - Non-Material B | Credit | Borrower | Stated Citizenship is Not Supported and/or Discrepancies present | Waived-Client Exception Granted with compensating factors. Documentation in file does not support and/or match stated citizenship from 1003. Lender exception to use form IRS W-7 in lieu of up to date ITIN letter. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Documentation in file does not support and/or match stated citizenship from 1003. Lender exception to use form IRS W-7 in lieu of up to date ITIN letter. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years | 10 non mortgage tradelines paid as agreed since 2014<br> Post closing reserves 7+ months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850144 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 08:06 | 2025-08-25 08:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Less than 2 Credit Scores Provided for Borrower(s) | Waived-Client Exception Granted with compensating factors. Lender exception for not having 2 credit scores. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Lender exception for not having 2 credit scores. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years | 10 non mortgage tradelines paid as agreed since 2014<br> Post closing reserves 7+ months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850144 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 08:01 | 2025-08-25 08:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Lender exception for waiving housing history on subject property. VOM for current mortgage dated xxxxxx made in cash. No VOM or payment proof available for previous mortgages paid off in xxxxxx. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Lender exception for waiving housing history on subject property. VOM for current mortgage dated xxxxxx made in cash. No VOM or payment proof available for previous mortgages paid off in xxxxxx. - Due Diligence Vendor-08/25/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years | 10 non mortgage tradelines back to 2014. No lates noted<br> Post closing reserves of 7+ months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850144 | xxxxxx | B A | Closed | xxxxxx | 2025-08-25 07:13 | 2025-08-25 08:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Lender exception for loan amount. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception Granted with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Lender exception for loan amount. - Due Diligence Vendor-08/25/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years | 10 non mortgage tradelines paid as agreed since 2014<br> Post closing reserves 7+ months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850152 | xxxxxx | B A | Closed | xxxxxx | 2025-09-18 17:06 | 2025-10-16 08:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with compensating factors. Audited FICO of 659 is less than Guideline FICO of 700 Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with compensating factors. Audited FICO of 659 is less than Guideline FICO of 700 Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025<br>| Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years)<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.02 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | - Mortgage history for subject property 0X30X12<br> - Reserves of 16+ months for loan closing<br> - Credit report reflects only one derogatory account, dated 10/2020.<br> - Borrower is an experienced investor. In addition to ownership of the subject property, borrower also owns another investment property.<br> Ownership of both properties exceeds 3 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850152 | xxxxxx | B A | Closed | xxxxxx | 2025-09-18 17:06 | 2025-09-18 17:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 65% exceeds Guideline LTV of 60% LTV of 65% exceeds the maximum allowed LTV of 60% where borrower has no primary residence - Due Diligence Vendor-09/18/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 65% exceeds Guideline LTV of 60% LTV of 65% exceeds the maximum allowed LTV of 60% where borrower has no primary residence - Due Diligence Vendor-09/18/2025<br>| Clean Credit History (0x30) On All Accounts (Minimum 3 Non-Mortgage Accounts All Rated For At Least Two Years)<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.02 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | - Mortgage history for subject property 0X30X12<br> - Reserves of 16+ months for loan closing<br> - Credit report reflects only one derogatory account, dated 10/2020.<br> - Borrower is an experienced investor. In addition to ownership of the subject property, borrower also owns another investment property.<br> Ownership of both properties exceeds 3 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850160 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850209 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-12 04:09 | 2025-11-17 08:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Final CD - Due Diligence Vendor-11/17/2025 <br>Open-TRID: Missing Final Closing Disclosure Missing pages 3 and 4 of final CD. Pages 1,2,5 are in file. - Due Diligence Vendor-11/12/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 850209_xxxxxx_final_cd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850209 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-12 03:58 | 2025-11-12 04:07 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines Lender exception for < 2 years business in existance - Due Diligence Vendor-11/12/2025 |  | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines Lender exception for < 2 years business in existance - Due Diligence Vendor-11/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income $57638.05<br> > 20 months post closing reserves<br> 0x30x24 mortgage history<br> low DTI |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850238 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850256 | xxxxxx | B A | Closed | xxxxxx | 2025-10-20 05:21 | 2025-10-24 14:49 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/23/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/20/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 112.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850262 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850267 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 850353 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-09 20:56 | 2025-11-04 18:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Assets | Asset 6 Missing | Waived-Client Exception Granted with compensating factors. Client exception granted with supporting compensating factors to allow 3.68 months reserves for a FTHB - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Counter-FTHB requires 6 months reserves - Due Diligence Vendor-11/04/2025 <br> Ready for Review-we only require 3 mos reseves - Seller-11/04/2025 <br> Counter-Document Uploaded. Please provided Updated xxxxxx savings account for xxxxxx with the Gift funds deposited as the most recent xxxxxx statement in the file is dated 9.05.2025 with available funds of $134,508.59 - Total verified assets $153,185.86 / CTC $138,120.14 / 6 month reserves total $24,549.42 / Reserves are short by -$9,483.69 (Audited reserves months are 3.68) - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. $10k wired to borrowers account attached. Only $10k gift is used. Revised 1003/1008 attached - Seller-11/04/2025 <br> Open-Asset 6 Missing Missing proof $22k gift from F1003 was received, FCD does not reflect that gift was use in funds to close, gift is not present in bank statements provided. Missing donor letter and paper trail. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Ready for Review-we only require 3 mos reseves - Seller-11/04/2025 <br>Ready for Review-Document Uploaded. $10k wired to borrowers account attached. Only $10k gift is used. Revised 1003/1008 attached - Seller-11/04/2025<br>| Waived-Client Exception Granted with compensating factors. Client exception granted with supporting compensating factors to allow 3.68 months reserves for a FTHB - Due Diligence Vendor-11/04/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | FICO 20+ over guideline minimum; DTI 5%+ below max | GIFT LETTER _ AHP-FHR GIFT LETTER.pdf<br> GIFT LETTER WITH DONOR'S ABILITY (1).pdf<br> _1003_19_xxxxxx_pdf (3).pdf<br> _1003_19_xxxxxx_pdf (3).pdf<br> Screenshot 2025-11-04 134757.jpg<br> 82509206 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850410 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850426 | xxxxxx | D A | Closed | xxxxxx | 2025-11-14 01:27 | 2025-11-19 14:06 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-11/19/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/14/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/19/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.55 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.55 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review850426_xxxxxx_11_18_2025_40743_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850426 | xxxxxx | D A | Closed | xxxxxx | 2025-11-14 00:11 | 2025-11-19 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. See attached master policy including flood - Due Diligence Vendor-11/19/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-11/14/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/19/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.55 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.55 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review850426_xxxxxx_11_18_2025_40905_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850465 | xxxxxx | B A | Closed | xxxxxx | 2025-11-18 07:04 | 2025-11-19 11:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location (Rural) Not Allowed for Program due to xxxxxx. Appraisal does not indicate negative impact to marketibility - Due Diligence Vendor-11/19/2025 |  | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location (Rural) Not Allowed for Program due to xxxxxx. Appraisal does not indicate negative impact to marketibility - Due Diligence Vendor-11/19/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | - Credit score 30+ points > mimimum required<br> - LTV/CLTV 10% or more below maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850475 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 00:14 | 2025-11-19 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA documents provided for xxxxxx - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached HOA Statement for xxxxxx and not xxxxxx - Due Diligence Vendor-11/18/2025 <br> Open-HOA statement is missing for xxxxxx - Due Diligence Vendor-11/17/2025 |  | Resolved-HOA documents provided for xxxxxx - Due Diligence Vendor-11/19/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.64 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |  | Full Review850475_xxxxxx_11_18_2025_13707_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850496 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850503 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 12:14 | 2025-11-18 17:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. The borrower switched title companies, that is why the fees changed. Isn't switching title companies a valid reason for the fees to change? - Buyer-11/18/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-11/18/2025 <br> Open-The following charges have been added :Transfer taxes resulting in a 0% tolerance cure in the amount of $954.60. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $954.60 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/08/2025 <br> Rescinded-NonQm - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $954.60.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 |  | Resolved- - Due Diligence Vendor-11/18/2025 <br>Rescinded-NonQm - Due Diligence Vendor-11/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | COC.pdf<br> xxxxxx COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850503 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 12:14 | 2025-11-18 17:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. the bwr switched title companies resulting in the fees changing. Isn't this a valid coc? - Seller-11/18/2025 <br>Open-The following charges have been added :Transfer taxes resulting in a 0% tolerance cure in the amount of $954.60. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $954.60 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/08/2025 <br>Rescinded-NonQm - Due Diligence Vendor-11/08/2025 <br>Open- - Due Diligence Vendor-11/08/2025 <br>Open- - Due Diligence Vendor-11/06/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. the bwr switched title companies resulting in the fees changing. Isn't this a valid coc? - Seller-11/18/2025<br>| Resolved- - Due Diligence Vendor-11/18/2025 <br>Rescinded-NonQm - Due Diligence Vendor-11/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850503 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 12:14 | 2025-11-18 17:25 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. The bwr switched title companies and fees changed. Isn't this a valid coc? - Seller-11/18/2025 <br>Open-The following charges have been added :Transfer taxes resulting in a 0% tolerance cure in the amount of $954.60. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $954.60 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/08/2025 <br>Rescinded-NonQm - Due Diligence Vendor-11/08/2025 <br>Open- - Due Diligence Vendor-11/08/2025 <br>Open- - Due Diligence Vendor-11/06/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. The bwr switched title companies and fees changed. Isn't this a valid coc? - Seller-11/18/2025<br>| Resolved- - Due Diligence Vendor-11/18/2025 <br>Rescinded-NonQm - Due Diligence Vendor-11/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850503 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 05:07 | 2025-11-11 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/10/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 - 3rd Party VOE Prior to Close Missing in file. Provided Business search document not reflecting the date. - Due Diligence Vendor-11/06/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx processor cert.pdf<br> xxxxxx VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850512 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850536 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850574 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850577 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850595 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 01:57 | 2025-10-29 09:15 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Signed PPP Rider Provided - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br>Open-Provide the executed Prepayment Rider document. - Due Diligence Vendor-10/24/2025 |  | Resolved-Signed PPP Rider Provided - Due Diligence Vendor-10/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx PPP Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850670 | xxxxxx | C A | Closed | xxxxxx | 2025-10-31 15:08 | 2025-11-04 09:38 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. LE and CD's - Due Diligence Vendor-11/04/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/31/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.71 Years |  | Full Review850670_xxxxxx_11_3_2025_22322_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850673 | xxxxxx | B A | Closed | xxxxxx | 2025-11-18 03:14 | 2025-11-18 16:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Calculated Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $150,000. - Due Diligence Vendor-11/18/2025 |  | Waived-Client Exception Granted with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Calculated Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $150,000. - Due Diligence Vendor-11/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 25.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | - Self-emplyed > 5 years<br> - Current primary homeownership > 10 years<br> - Credit score 30-points above minmum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850674 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850721 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850773 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850785 | xxxxxx | B A | Closed | xxxxxx | 2025-10-31 14:13 | 2025-10-31 14:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception Granted with compensating factors. Audited CLTV of 85% exceeds Guideline CLTV of 80% Non-arm's Length + 85% LTV. Max is 80% - Due Diligence Vendor-10/31/2025 |  | Waived-Client Exception Granted with compensating factors. Audited CLTV of 85% exceeds Guideline CLTV of 80% Non-arm's Length + 85% LTV. Max is 80% - Due Diligence Vendor-10/31/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 1. Reserves exceed requirement by 10 months or more <br> 2. Self-employed for > 2 years <br> 3. Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850785 | xxxxxx | B A | Closed | xxxxxx | 2025-10-31 14:13 | 2025-10-31 14:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 85% exceeds Guideline LTV of 80% Non-arm's Length + 85% LTV. Max is 80% - Due Diligence Vendor-10/31/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 85% exceeds Guideline LTV of 80% Non-arm's Length + 85% LTV. Max is 80% - Due Diligence Vendor-10/31/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 1. Reserves exceed requirement by 10 months or more <br> 2. Self-employed for > 2 years <br> 3. Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850785 | xxxxxx | B A | Closed | xxxxxx | 2025-10-31 14:13 | 2025-10-31 14:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client Exception Granted with compensating factors. Audited HCLTV of 85% exceeds Guideline HCLTV of 80% Non-arm's Length + 85% LTV. Max is 80% - Due Diligence Vendor-10/31/2025 |  | Waived-Client Exception Granted with compensating factors. Audited HCLTV of 85% exceeds Guideline HCLTV of 80% Non-arm's Length + 85% LTV. Max is 80% - Due Diligence Vendor-10/31/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 1. Reserves exceed requirement by 10 months or more <br> 2. Self-employed for > 2 years <br> 3. Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850809 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850838 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850860 | xxxxxx | D A | Closed | xxxxxx | 2025-11-03 09:09 | 2025-11-14 10:06 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-POA was used - Due Diligence Vendor-11/14/2025 <br> Ready for Review-The form states that xxxxxx ID information was not included because xxxxxx signed for her as POA. - Due Diligence Vendor-11/13/2025 <br> Counter-Missing the completed xxxxxx Patriot Act Form, as the document provided does not provide Bwr's identification information, it states see patriot act ID cert form. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached Cleared Patriot Act for Borrower 1. - Due Diligence Vendor-11/09/2025 <br> Open-Borrower 1 Patriot Act is present in file but it is not clear. # 169 - Due Diligence Vendor-11/03/2025 |  | Resolved-POA was used - Due Diligence Vendor-11/14/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 850860_xxxxxx_Patriot_Act_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850860 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 08:51 | 2025-11-10 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Lender Income Worksheet. - Due Diligence Vendor-11/09/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet - Due Diligence Vendor-11/04/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/10/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 850860_xxxxxx_Asset_Utilization_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850869 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 16:14 | 2025-11-21 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see borrower's passport showing the nation of origin. xxxxxx - Seller-11/20/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Missing Work Visa, I797 provided showing extension thru 2030 but does not contain nation of origin. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see borrower's passport showing the nation of origin. xxxxxx - Seller-11/20/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/21/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PASSPORT _9125.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850871 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850873 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850899 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850967 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850973 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 16:39 | 2025-11-11 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. Please see the UDN report attached. xxxxxx! - Due Diligence Vendor-11/11/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/05/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.22 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review850973_xxxxxx_11_11_2025_113433_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850973 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 19:53 | 2025-11-11 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI policy provided. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-11/11/2025 <br> Open-Missing hazard dec page for property located at xxxxxx - Due Diligence Vendor-11/07/2025 |  | Resolved-HOI policy provided. - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.22 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 850973_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850990 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 11:20 | 2025-11-03 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, we have updated the Final 1003 correct the asset. Please see attached and waive this condition<br> - Seller-10/30/2025 <br> Open-Asset 1 Missing Provide Bank Statement for Verify the Assets " xxxxxx and Acct xxxxxx, Amount $30,958.56. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. xxxxxx Team, we have updated the Final 1003 correct the asset. Please see attached and waive this condition<br> - Seller-10/30/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-11/03/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.07 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.68 Years |  | Final 1003-Updated-8979.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850992 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851007 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 01:43 | 2025-11-25 11:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received revised CD and COC. These documents together with invoice located in the original file resolved finding. - Due Diligence Vendor-11/25/2025 <br> Resolved- - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. See COC - Due Diligence Vendor-11/24/2025 <br> Open-The following charges have been added Appraisal - Property Data Report resulting in a 0% tolerance cure in the amount of $205. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $205 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $205.00.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). This loan failed the charges that cannot increase test due to the introduction of appraisal property detail report fee $205 in the Final Closing disclosure dated xxxxxx and there is no COC available addressing the change nor cure of $205 provided to clear the fail. - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-\*\*Received revised CD and COC. These documents together with invoice located in the original file resolved finding. - Due Diligence Vendor-11/25/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review851007_xxxxxx_11_24_2025_41646_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851007 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 01:43 | 2025-11-25 11:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received revised CD and COC. These documents together with invoice located in the original file resolved finding. - Due Diligence Vendor-11/25/2025 <br>Resolved- - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. See COC - Due Diligence Vendor-11/24/2025 <br>Open-The following charges have been added Appraisal - Property Data Report resulting in a 0% tolerance cure in the amount of $205. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $205 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/19/2025 <br>Open- - Due Diligence Vendor-11/19/2025 <br>Open- - Due Diligence Vendor-11/18/2025 <br>Open- - Due Diligence Vendor-11/18/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2025 <br>Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-\*\*Received revised CD and COC. These documents together with invoice located in the original file resolved finding. - Due Diligence Vendor-11/25/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review851007_xxxxxx_11_24_2025_41906_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851007 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 01:43 | 2025-11-25 11:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received revised CD and COC. These documents together with invoice located in the original file resolved finding. - Due Diligence Vendor-11/25/2025 <br> Resolved- - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. See COC - Due Diligence Vendor-11/24/2025 <br> Open-The following charges have been added Appraisal - Property Data Report resulting in a 0% tolerance cure in the amount of $205. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $205 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-\*\*Received revised CD and COC. These documents together with invoice located in the original file resolved finding. - Due Diligence Vendor-11/25/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review851007_xxxxxx_11_24_2025_41837_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851011 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851062 | xxxxxx | C A | Closed | xxxxxx | 2025-11-19 00:13 | 2025-11-21 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Field review Provided. - Due Diligence Vendor-11/21/2025 <br> Open-Primary Value Appraisal is Expired - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. See field review - Buyer-11/20/2025 <br> Open-Primary Value Appraisal is Expired Appraisal dated xxxxxx is expired. - Due Diligence Vendor-11/19/2025 |  | Resolved-Field review Provided. - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx field review.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851064 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851068 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 08:54 | 2025-11-11 18:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-This is not a bank stmt loan. This is a P&L. The income calc is listed on the 1008. - Due Diligence Vendor-11/07/2025 <br>Counter-No attachment provided, Please re-upload - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Please see the 1008 with the breakdown - Due Diligence Vendor-11/06/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/31/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | 851068_xxxxxx_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851068 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 18:05 | 2025-11-11 18:57 | Resolved | 1 - Information C A | Credit | Income | Income 1 Income Trend is Decreasing | Resolved-Income 1 Income Trend is Resolved - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. please see attached revised income. - Due Diligence Vendor-11/07/2025 <br>Open-Income 1 Income Trend is Decreasing Please provide a letter of explanation for declining base income from 2024 to 2025. - Due Diligence Vendor-10/31/2025 |  | Resolved-Income 1 Income Trend is Resolved - Due Diligence Vendor-11/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | Full Review851068_xxxxxx_11_6_2025_50033_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851068 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 17:30 | 2025-11-07 10:36 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Corrected address provided. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. See attached field review - Due Diligence Vendor-11/07/2025 <br> Open-The xxxxxx-unit residential appraisal field review report on page 52 is missing "xxxxxx" from the address - Due Diligence Vendor-10/31/2025 |  | Resolved-Corrected address provided. - Due Diligence Vendor-11/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | 851068_xxxxxx_Field_Review_11_6_25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851086 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 07:08 | 2025-11-11 10:38 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-11/10/2025 <br> Open-Due to subject being a xxxxxx unit CU's can not be run or return valid score. Due to this the following is required and missing. Provide one of the following below and document must support a property value no less than sales price of $1,110,000.00. <br> • CDA from xxxxxx<br> • AVM value must be no more than 10% below the appraised value<br> • A field review or second appraisal<br> If the CDA reflects a value more than 10% below the appraised value or cannot provide validation, a <br> second appraisal or field review will be required - Due Diligence Vendor-11/05/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-11/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review851086_xxxxxx_11_10_2025_100608_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851107 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851068 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-24 16:16 | 2025-12-24 16:16 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | Rating Agency/General | Waived-Finding solely impacts S&P grading, non material finding. - Due Diligence Vendor-12/24/2025 <br>Open-Subject took more than one review product to achieve a viable appraisal review within 10% of the primary valuation. - Due Diligence Vendor-12/24/2025 |  | Waived-Finding solely impacts S&P grading, non material finding. - Due Diligence Vendor-12/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 10:39 | 2025-11-06 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | Insurance Master Certificate .pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 15:46 | 2025-11-06 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | HAZARD INS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:40 | 2025-11-06 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.74 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 6. this is due to assets are missing. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Audited Reserves of 3.74 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | ASSETS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:23 | 2025-11-06 11:13 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Total Liquid Assets Available for Close of $69042.72 is less than Total Cash to Close $384446.34. Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $384446.34. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | ASSETS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:26 | 2025-11-06 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Asset 1 Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | ASSETS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:26 | 2025-11-06 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Asset 2 Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | ASSETS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:16 | 2025-11-06 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:16 | 2025-11-06 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:09 | 2025-11-06 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. CPA LETTER SHOWING OWNERSHIP - Seller-11/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. CPA LETTER SHOWING OWNERSHIP - Seller-11/06/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | CPA LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:09 | 2025-11-06 10:46 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. CPA LETTER CONFIRMING OWNERSHIP MORE THAN 2 YEARS. - Seller-11/06/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. CPA LETTER CONFIRMING OWNERSHIP MORE THAN 2 YEARS. - Seller-11/06/2025<br>| Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | CPA LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 16:10 | 2025-11-06 10:46 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Income 1 Months Income Verified is Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | INCOME P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-03 11:54 | 2025-11-06 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. income worksheet uploaded - Seller-11/06/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. income worksheet uploaded - Seller-11/06/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | Income Worksheet- xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 15:29 | 2025-11-06 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | TAX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-31 15:29 | 2025-11-06 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | TITLE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851415 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-03 08:41 | 2025-11-06 08:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years |  | INITIAL CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851480 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851485 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851496 | xxxxxx | C A | Closed | xxxxxx | 2025-11-23 07:13 | 2025-11-26 17:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.58 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please find uploaded additional Asset/EMD documentation.<br> - Due Diligence Vendor-11/26/2025 <br>Open-Audited Reserves of 3.39 are less than Guideline Required Reserves of 6 Reserves shortage $10,319.24. Total assets $95,724.74 reserves required 23,762.94, cash to close $82,281.06 EMD was not verified or cleared $24,500 - Due Diligence Vendor-11/24/2025 |  | Resolved-Audited Reserves of 9.58 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review851496_xxxxxx_11_26_2025_84919_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851510 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851513 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851533 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851605 | xxxxxx | C A | Closed | xxxxxx | 2025-11-19 16:13 | 2025-11-21 14:41 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/21/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report 10/30/2025 closing xxxxxx. - Due Diligence Vendor-11/19/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years |  | xxxxxx UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851609 | xxxxxx | C A | Closed | xxxxxx | 2025-11-07 11:34 | 2025-11-12 14:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 5.36 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Please see attached Assets. - Due Diligence Vendor-11/12/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 need additional reserves. removed gift funds from assets as gift funds were already included in balance of account xxxxxx xxxxxx on 10/2. see LOX page 285<br> - Due Diligence Vendor-11/07/2025 |  | Resolved-Audited Reserves of 5.36 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review851609_xxxxxx_11_12_2025_100811_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851609 | xxxxxx | C A | Closed | xxxxxx | 2025-11-07 11:30 | 2025-11-12 14:57 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Please see attached Assets. - Due Diligence Vendor-11/12/2025 <br> Open-Total Liquid Assets Available for Close of $216967.84 is less than Total Cash to Close $248859.92. had to remove gift funds since already deposited into borrowers xxxxxx xxxxxx account on 10/2 - Due Diligence Vendor-11/07/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review851609_xxxxxx_11_12_2025_100837_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851610 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 10:27 | 2025-11-21 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see the corrected appraisal attached. xxxxxx! - Due Diligence Vendor-11/19/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-11/13/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-11/21/2025<br>|  |  | Full Review851610_xxxxxx_11_19_2025_80436_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851631 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851632 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 06:29 | 2025-11-07 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. See Questionnaire - Due Diligence Vendor-11/07/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-11/05/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.83 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 815 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review851632_xxxxxx_11_7_2025_121321_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851633 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851653 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 15:13 | 2025-11-19 18:44 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Balloon Qualifying Payment Not Properly Considered | Resolved-ATR: Balloon Qualifying Payment Properly Considered - Due Diligence Vendor-11/19/2025 <br>Open-ATR: Balloon Qualifying Payment Not Properly Considered - Due Diligence Vendor-11/18/2025 |  | Resolved-ATR: Balloon Qualifying Payment Properly Considered - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851653 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 15:13 | 2025-11-19 18:44 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Simultaneous Loan Not Calculated Properly For Qualifying | Resolved-ATR: Simultaneous Loan Not Calculated Properly For Qualifying Or Not Applicable - Due Diligence Vendor-11/19/2025 <br>Open-ATR: Simultaneous Loan Not Calculated Properly For Qualifying - Due Diligence Vendor-11/18/2025 |  | Resolved-ATR: Simultaneous Loan Not Calculated Properly For Qualifying Or Not Applicable - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851678 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851705 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851707 | xxxxxx | C A | Closed | xxxxxx | 2025-11-17 12:44 | 2025-11-20 16:44 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. See attached deed. - Due Diligence Vendor-11/20/2025 <br> Open-Executed Vesting Deed from: xxxxxx, individually and as xxxxxx of xxxxxx, dated xxxxxx, to xxxxxx, UNMARRIED AND xxxxxx, MARRIED, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP, has not been provided. - Due Diligence Vendor-11/17/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-11/20/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 45.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review851707_xxxxxx_11_20_2025_103854_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 851733 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 10:27 | 2025-11-17 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. HOI is attached. Please see the xxxxxx checklist to see the replacement coverage on file. - Buyer-11/13/2025 <br> Rescinded-Missing Hazard Insurance Policy Provide Hazard Insurance For the Subject Property located at xxxxxx reflecting coverage no less than $xxxxxx and a max monthly payment of $254.83 - Due Diligence Vendor-11/11/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/14/2025 <br> Rescinded-Missing Hazard Insurance Policy Provide Hazard Insurance For the Subject Property located at xxxxxx reflecting coverage no less than $xxxxxx and a max monthly payment of $254.83 - Due Diligence Vendor-11/11/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years |  | HOI dec page, xxxxxx coverage checklist.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851733 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 10:27 | 2025-11-14 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. flood cert - Buyer-11/13/2025 <br> Open-Missing Flood Certificate Provide Flood Certificate for the Subject Property located at xxxxxx reflecting subject is not in a flood zone - Due Diligence Vendor-11/11/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years |  | Certificate_xxxxxx flood cert xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851733 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 10:54 | 2025-11-13 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. income worksheet attached - Buyer-11/13/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing lenders 12 month BK worksheet for xxxxxx sourcing a minimum of $28,006.00 a month in income - Due Diligence Vendor-11/11/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years |  | xxxxxx Calculation 10-7-2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851786 | xxxxxx | B A | Seller | xxxxxx | 2025-12-03 10:02 | 2025-12-03 10:02 | Waived | 2 - Non-Material B | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Waived-Client waived exception with compensating factors for missing 1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/03/2025 |  | Waived-Client waived exception with compensating factors for missing 1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.12 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.13 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851852 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851854 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851857 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 13:34 | 2025-11-19 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-11/19/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Lender income worksheet for xxxxxx from self employment / xxxxxx / 12 month BK wk sheet supporting no less then $10,138.52 - Due Diligence Vendor-11/13/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/19/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.79 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review851857_xxxxxx_11_18_2025_35628_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851860 | xxxxxx | D A | Closed | xxxxxx | 2025-11-22 05:44 | 2025-11-26 16:55 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-11/26/2025 <br>Open-1008/Underwriting Summary Not Provided in file - Due Diligence Vendor-11/22/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years |  | Full Review851860_xxxxxx_11_26_2025_110426_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851860 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 17:38 | 2025-11-25 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Personal Guaranty is Partial/Incomplete | Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-11/25/2025 <br>Open-Personal Guaranty is incomplete. Per operating agreement, the member have equal shares of the company at 50% each. The guaranty was signed by only one member - Due Diligence Vendor-11/24/2025 |  | Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 9.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851888 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851941 | xxxxxx | C A | Closed | xxxxxx | 2025-11-12 10:17 | 2025-11-13 08:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. initial cd dated xxxxxx. file signed closed xxxxxx please see attached - Buyer-11/12/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-11/12/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.33 Years |  | initial cd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852107 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 02:50 | 2025-11-24 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see the Fraud Report. xxxxxx! - Due Diligence Vendor-11/24/2025 <br>Open-Missing Third Party Fraud Report in file - Due Diligence Vendor-11/21/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 63.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | Full Review852107_xxxxxx_11_24_2025_122004_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852107 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 03:27 | 2025-11-24 15:39 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see the 1008. xxxxxx! - Due Diligence Vendor-11/24/2025 <br>Open-1008/Underwriting Summary Not Provided in file - Due Diligence Vendor-11/21/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 63.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | Full Review852107_xxxxxx_11_24_2025_121932_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852108 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 07:34 | 2025-11-25 16:53 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Please see attached. xxxxxx!<br> - Due Diligence Vendor-11/25/2025 <br>Open-Per final loan application, Borrower is a permanent resident alien. Loan file does nor provide evidence of EAD and/or Visa per section 2.4.1.3 of the Guidelines. - Due Diligence Vendor-11/20/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.41 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.42 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review852108_xxxxxx_11_25_2025_15135_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852108 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 03:43 | 2025-11-24 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see the Income WS. xxxxxx! - Due Diligence Vendor-11/24/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Bank Statement Summary\calculations. - Due Diligence Vendor-11/20/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 21.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.41 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.42 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review852108_xxxxxx_11_21_2025_24715_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852131 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852148 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852196 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852198 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 14:42 | 2025-11-06 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Please see attached Income Worksheet. - Due Diligence Vendor-11/06/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary . Provide bank statement worksheet to show unallowable deposits for overall income as used for approval. - Due Diligence Vendor-11/04/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.83 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852198_xxxxxx_11_5_2025_10959_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852253 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852258 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852265 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852285 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 10:42 | 2025-11-11 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-11/11/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Provide Property Insurance with Policy Number. Current Insurance Document is not showing Policy Number. - Due Diligence Vendor-11/04/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.28 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years |  | 852285_xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852285 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 14:17 | 2025-11-11 16:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title endorsement provided. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see title endorsement - Due Diligence Vendor-11/11/2025 <br> Open-Per USPS the street name is not spelled incorrectly on the Title document. Street should be xxxxxx - Due Diligence Vendor-11/05/2025 |  | Resolved-Title endorsement provided. - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.28 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years |  | 852285_xxxxxx_-_Lenders_title_insurance_endorsement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852298 | xxxxxx | D A | Closed | xxxxxx | 2025-11-22 05:04 | 2025-11-26 16:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. See attached 1008<br> - Due Diligence Vendor-11/26/2025 <br>Open-1008/Underwriting Summary Not Provided Provide 1008/Underwriting Summary for the Subject property. - Due Diligence Vendor-11/22/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 69.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review852298_xxxxxx_11_26_2025_105805_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852298 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 16:32 | 2025-11-26 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-11/26/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Section 2.5.2 requires a GAP/UDM no more than 30-days prior to loan closing. Note = xxxxxx, CBR = 9/30/25. - Due Diligence Vendor-11/24/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/26/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 69.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review852298_xxxxxx_11_26_2025_105846_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852299 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 11:58 | 2025-11-21 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-YTD Pay statement provided. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-11/21/2025 <br>Open-per guidelines when using 1099's need • YTD Documentation to support continued receipt of income from same source. Unable to locate any type of SE docs to verify continued receipt of income. <br> - Due Diligence Vendor-11/19/2025 |  | Resolved-YTD Pay statement provided. - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review852299_xxxxxx_11_20_2025_25150_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852299 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 11:59 | 2025-11-21 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see attached, is doesn't appear per guidelines VOE is required for 1099 program - Due Diligence Vendor-11/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/19/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review852299_xxxxxx_11_20_2025_25013_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852299 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 11:59 | 2025-11-21 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 - Due Diligence Vendor-11/21/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-11/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review852299_xxxxxx_11_20_2025_25105_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852301 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852302 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 11:25 | 2025-11-19 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/19/2025 <br>Open-Third Party Fraud Report Partially Provided. - Due Diligence Vendor-11/17/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/19/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 41.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852313 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852316 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852351 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 09:15 | 2025-11-21 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see UDN - Due Diligence Vendor-11/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing. File did not have a GAP credit - Due Diligence Vendor-11/17/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852351_xxxxxx_11_19_2025_121231_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852426 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852440 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 12:29 | 2025-11-24 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-11/24/2025 <br>Open-Third Party Fraud Report Partially Provided Missing fraud report in the name of xxxxxx. Reports provided are in the LLC name only. - Due Diligence Vendor-11/18/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | Full Review852440_xxxxxx_11_24_2025_121859_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852504 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852508 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852512 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852514 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 10:01 | 2025-11-24 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/24/2025 <br>Open-Borrower 1 CPA Letter Missing and busness entity documents in file do not indicate the percent of ownership the borrower has. - Due Diligence Vendor-11/20/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/24/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.55% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 12.55% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.85 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.85 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852514 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 09:56 | 2025-11-24 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Section 2.6.2 of Guidelines requires a GAP Credit Report no more than 30-days from closing. Note = xxxxxx & credit report date = 11/2/25. - Due Diligence Vendor-11/20/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/24/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.55% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 12.55% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.85 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.85 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852514 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 00:50 | 2025-11-24 16:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see 1008 - Due Diligence Vendor-11/24/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-11/20/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.55% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 12.55% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.85 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.85 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | Full Review852514_xxxxxx_11_24_2025_120132_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852528 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852612 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852621 | xxxxxx | C A | Closed | xxxxxx | 2025-10-29 11:32 | 2025-11-06 08:28 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Complete initial disclosure package received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-10/29/2025 |  | Resolved-Complete initial disclosure package received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852621 | xxxxxx | C A | Closed | xxxxxx | 2025-10-29 11:33 | 2025-11-06 08:28 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Complete initial disclosure package received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate and Locked Revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-10/29/2025 |  | Resolved-Complete initial disclosure package received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852621 | xxxxxx | C A | Closed | xxxxxx | 2025-10-29 11:32 | 2025-11-06 08:18 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/30/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CHANGE OF CIRCUMSTANCE - 2025-11-04T163659.647.pdf<br> PRE CD - xxxxxx.pdf<br> PRE CD - xxxxxx.pdf<br> INITIAL DISCLOSURE PACKAGE xxxxxx - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852621 | xxxxxx | C A | Closed | xxxxxx | 2025-10-30 08:01 | 2025-11-06 08:18 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-11/06/2025 <br>Open-Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing - Due Diligence Vendor-10/30/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-11/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852622 | xxxxxx | B A | Closed | xxxxxx | 2025-11-08 06:34 | 2025-11-08 06:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. EXCEPTION REQUEST THE USE OF AN ENROLLED AGENT AS THE DESIGNATED TAX PREPARER FOR THIS PROGRAM, <br> SPECIFICALLY UNDER INCOME OPTION 5. - Due Diligence Vendor-11/08/2025 |  | Waived-Client Exception Granted with compensating factors. EXCEPTION REQUEST THE USE OF AN ENROLLED AGENT AS THE DESIGNATED TAX PREPARER FOR THIS PROGRAM, <br> SPECIFICALLY UNDER INCOME OPTION 5. - Due Diligence Vendor-11/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 43.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 43.85 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.7% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852624 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 09:44 | 2025-11-06 10:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance | Waived-Client Exception Granted with compensating factors. Title was transferred to the borrower xxxxxx. Exception approved to waive 6 months seasoning required measured from deed of transfer to application - Due Diligence Vendor-11/06/2025 |  | Waived-Client Exception Granted with compensating factors. Title was transferred to the borrower xxxxxx. Exception approved to waive 6 months seasoning required measured from deed of transfer to application - Due Diligence Vendor-11/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 96.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 12.39% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.30 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | - DTI of 11.540%<br> - Credit score of 729 while min required is 660<br> - No derog credit noted in borrower's credit report |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852624 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 10:14 | 2025-11-06 10:18 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Cash Out Does Not Meet Guideline Requirements Exception approved to use one appraisal value to calculate LTV, lender waived requirement of second appraisal report, and allow cash out amount greater than $250,000 for a transaction where title was transferred to borrower less than 12 months ago - Due Diligence Vendor-11/06/2025 |  | Waived-Client Exception Granted with compensating factors. Cash Out Does Not Meet Guideline Requirements Exception approved to use one appraisal value to calculate LTV, lender waived requirement of second appraisal report, and allow cash out amount greater than $250,000 for a transaction where title was transferred to borrower less than 12 months ago - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 96.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 12.39% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.30 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | - DTI of 11.540%<br> - Credit score of 729 while min required is 660<br> - No derog credit noted in borrower's credit report |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852625 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852626 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 14:56 | 2025-12-11 15:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Open-Subject property was listed for sale on xxxxxx. Per guideline, cashout refinance requires 6 month seasoning from last listing. (subject loan closed on xxxxxx) - Due Diligence Vendor-12/11/2025 <br> Waived-Client Exception Granted with compensating factors. Client exception granted to allow cashout refinance within 6 months of subject property being listed for sale. - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted to allow cashout refinance within 6 months of subject property being listed for sale. - Due Diligence Vendor-12/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Payment shock of 105.195%.<br> Borrower exceeds minimum credit score requirement by at least 20 points.<br> Residual income of $8,357.82.<br> Housing ratio of 37.171%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852626 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 14:57 | 2025-12-11 15:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow appraisal transfer exceeding 45 days after the appraisal date. - Due Diligence Vendor-12/11/2025 <br> Open-Per guideline, transferred appraisal must occur within 45 days of appraisal submission date. Appraisal was completed on xxxxxx; Transfer occurred on xxxxxx. - Due Diligence Vendor-12/11/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow appraisal transfer exceeding 45 days after the appraisal date. - Due Diligence Vendor-12/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Payment shock of 105.195%.<br> Borrower exceeds minimum credit score requirement by at least 20 points.<br> Residual income of $8,357.82.<br> Housing ratio of 37.171%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852626 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-03 08:28 | 2025-11-04 04:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Exception approval to use lender ledger in lieu of VOM. 12 months payment history, note and most recent mortgage statements were provided<br> and show no 30 days late payments supported details in the ledger. - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements Exception approval to use lender ledger in lieu of VOM. 12 months payment history, note and most recent mortgage statements were provided<br> and show no 30 days late payments supported details in the ledger. - Due Diligence Vendor-11/03/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Payment shock of 105.195%.<br> Borrower exceeds minimum credit score requirement by at least 20 points.<br> Residual income of $8,357.82.<br> Housing ratio of 37.171%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852627 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 16:06 | 2025-10-21 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Rent Free Letter provided. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. no VOR in file. rental agreement is NOT considered a VOR. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Rent Free Letter provided. - Due Diligence Vendor-10/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | RENT FREE LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852627 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 04:14 | 2025-10-15 04:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception Granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% GUIDELINE EXCEPTION 2: EXCEPTION FOR INCOMPLETE HOUSING HISTORY FOR FIRST-TIME HOMEBUYER. MISSING 3.5 MONTHS (FROM JUNE<br> 2025) OF THE REQUIRED 12-MONTH HOUSING HISTORY. ALSO EXCEPTION TO RETAIN LTV AT 80% WHILE MAXIMUM ALLOWED IS 75% DUE TO<br> INCOMPLETE HOUSING HISTORY - Due Diligence Vendor-10/15/2025 |  | Waived-Client Exception Granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% GUIDELINE EXCEPTION 2: EXCEPTION FOR INCOMPLETE HOUSING HISTORY FOR FIRST-TIME HOMEBUYER. MISSING 3.5 MONTHS (FROM JUNE<br> 2025) OF THE REQUIRED 12-MONTH HOUSING HISTORY. ALSO EXCEPTION TO RETAIN LTV AT 80% WHILE MAXIMUM ALLOWED IS 75% DUE TO<br> INCOMPLETE HOUSING HISTORY - Due Diligence Vendor-10/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | no derog account noted on credit report<br> - DTI 28.80 % while max allowed is 43%<br> - reserves of 7+ months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852627 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 04:10 | 2025-10-15 04:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements GUIDELINE EXCEPTION 2: EXCEPTION FOR INCOMPLETE HOUSING HISTORY FOR FIRST-TIME HOMEBUYER. MISSING 3.5 MONTHS (FROM JUNE<br> 2025) OF THE REQUIRED 12-MONTH HOUSING HISTORY. ALSO EXCEPTION TO RETAIN LTV AT 80% WHILE MAXIMUM ALLOWED IS 75% DUE TO NCOMPLETE HOUSING HISTORY. - Due Diligence Vendor-10/15/2025 |  | Waived-Client Exception Granted with compensating factors. Housing History Does Not Meet Guideline Requirements GUIDELINE EXCEPTION 2: EXCEPTION FOR INCOMPLETE HOUSING HISTORY FOR FIRST-TIME HOMEBUYER. MISSING 3.5 MONTHS (FROM JUNE<br> 2025) OF THE REQUIRED 12-MONTH HOUSING HISTORY. ALSO EXCEPTION TO RETAIN LTV AT 80% WHILE MAXIMUM ALLOWED IS 75% DUE TO NCOMPLETE HOUSING HISTORY. - Due Diligence Vendor-10/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | no derog account noted on credit report<br> - DTI 28.80 % while max allowed is 43%<br> - reserves of 7+ months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852627 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 04:05 | 2025-10-15 04:05 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines GUIDELINE EXCEPTION 1: EXCEPTION FOR BORROWER HAVING 50% OWNERSHIP IN BUSINESS USED FOR INCOME CALCULATION. GUIDELINE<br> REQUIRES OWNERSHIP > 50% - Due Diligence Vendor-10/15/2025 |  | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines GUIDELINE EXCEPTION 1: EXCEPTION FOR BORROWER HAVING 50% OWNERSHIP IN BUSINESS USED FOR INCOME CALCULATION. GUIDELINE<br> REQUIRES OWNERSHIP > 50% - Due Diligence Vendor-10/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | no derog account noted on credit report<br> - DTI 28.80 % while max allowed is 43%<br> - reserves of 7+ months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852628 | xxxxxx | B A | Closed | xxxxxx | 2025-10-20 07:56 | 2025-10-21 15:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception Granted with compensating factors. Exception approval for borrower not meeting the minimum requirement of three credit tradelines, as borrower has only two credit scores - Due Diligence Vendor-10/20/2025 |  | Waived-Client Exception Granted with compensating factors. Exception approval for borrower not meeting the minimum requirement of three credit tradelines, as borrower has only two credit scores - Due Diligence Vendor-10/20/2025<br>| Low qualifying LTV - - Qualifying LTV is 70%<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Borrower's FICO score exceeds the program minimum by 46 points. <br> Current LTV is 5% lower than the max allowed LTV for the program. <br> Current DTI is 20% lower than max DTI allowed for the program. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852628 | xxxxxx | B A | Closed | xxxxxx | 2025-10-20 07:55 | 2025-10-21 15:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower Contribution Does Not Meet Minimum Requirements | Waived-Client Exception Granted with compensating factors. Minimum borrower contribution of 15% is required for a FTHB without documented rental or housing history. Borrower contributed 11%.- Due Diligence Vendor-10/20/2025 |  | Waived-Client Exception Granted with compensating factors. Minimum borrower contribution of 15% is required for a FTHB without documented rental or housing history. Borrower contributed 11%.- Due Diligence Vendor-10/20/2025 | Low qualifying LTV - - Qualifying LTV is 70%<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | .Borrower's FICO score exceeds the program minimum by 46 points. <br> Current LTV is 5% lower than the max allowed LTV for the program. <br> Current DTI is 20% lower than max DTI allowed for the program |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852630 | xxxxxx | B A | Closed | xxxxxx | 2025-10-29 13:13 | 2025-10-29 14:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with compensating factors. Audited Reserves of 4.95 are less than Guideline Required Reserves of 6 Exception to reduce reserve requirement to 5 months instead of 6 months. - Due Diligence Vendor-10/29/2025 |  | Waived-Client Exception Granted with compensating factors. Audited Reserves of 4.95 are less than Guideline Required Reserves of 6 Exception to reduce reserve requirement to 5 months instead of 6 months. - Due Diligence Vendor-10/29/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.59 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.58 Years | 1. DTI is 17.463%, max allowed is 43%<br> 2. Fico is 800, minimum required is 680<br> 3. Residual income, minimum residual income is $2500<br> 4. Payment shock is 260.667%, max allowed is 300% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852630 | xxxxxx | B A | Closed | xxxxxx | 2025-10-29 14:20 | 2025-10-29 14:20 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Asset Qualification Does Not Meet Guideline Requirements Exception for not meeting the 10% required borrower's contribution. Borrower has less than 7% own funds. - Due Diligence Vendor-10/29/2025 |  | Waived-Client Exception Granted with compensating factors. Asset Qualification Does Not Meet Guideline Requirements Exception for not meeting the 10% required borrower's contribution. Borrower has less than 7% own funds. - Due Diligence Vendor-10/29/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.59 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.58 Years | 1. DTI is 17.463%, max allowed is 43%<br> 2. Fico is 800, minimum required is 680<br> 3. Residual income, minimum residual income is $2500<br> 4. Payment shock is 260.667%, max allowed is 300% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852631 | xxxxxx | B A | Closed | xxxxxx | 2025-10-28 12:45 | 2025-10-28 12:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with compensating factors. DOES NOT MEET REQUIRED 48 MONTHS SEASONING FOR LOAN MODIFICATION - Due Diligence Vendor-10/28/2025 |  | Waived-Client Exception Granted with compensating factors. DOES NOT MEET REQUIRED 48 MONTHS SEASONING FOR LOAN MODIFICATION - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.42 Years | 1. LTV OF 32% MAX ALLOWED 80<br> 2. FICO OF 767 MIN REQUIRED 660<br> 3. DTI OF 23% MAX ALLOWED IS 50%<br> 4. BORROWER HAS OWNED SUBJECT PRIMARY SINCE xxxxxx<br> 5. BORROWER HAS BEEN SELF EMPLOYED IN SAME LINE OF WORK SINCE 2014<br> 6. CREDIT DEPTH TO 2015 ALL TRADES PAID AS AGREED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852632 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 05:00 | 2025-10-27 11:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Exception for borrower being a first-time home buyer with no recent 12-month housing history. Borrower has been<br> living rent free since April 2024. Guideline requires FTHB must have complete 12-month rental history.<br> Also, to waive requirement of LOE from borrower pertaining to rent free status. - Due Diligence Vendor-10/24/2025 |  | Waived-Client Exception Granted with compensating factors. Exception for borrower being a first-time home buyer with no recent 12-month housing history. Borrower has been<br> living rent free since April 2024. Guideline requires FTHB must have complete 12-month rental history.<br> Also, to waive requirement of LOE from borrower pertaining to rent free status. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.92% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | - Max DTI allowed is 43% while current DTI is 15.904%.<br> - Current FICO is 779, min required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852632 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 05:01 | 2025-10-24 05:01 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines Exception to use profit and loss account prepared by EA, while guidelines require profit and loss account prepared by CPA. - Due Diligence Vendor-10/24/2025 |  | Waived-Client Exception Granted with compensating factors. Income and Employment Do Not Meet Guidelines Exception to use profit and loss account prepared by EA, while guidelines require profit and loss account prepared by CPA. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.92% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | - Max DTI allowed is 43% while current DTI is 15.904%.<br> - Current FICO is 779, min required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852633 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-07 10:13 | 2025-11-17 14:55 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines | Resolved-per xxxxxx Guidelines: 12 or 24 Months of business bank statements covering the most recent time period and matching the time period of the P&L. - P&L Sales/Revenue must be supported by the provided bank statements. Total deposits per bank statements, minus any inconsistent deposits, must be no more than 15% below revenue reflected on P&L. The bank statements and P&L must cover the same time period. Qualifying income is the lower of the Net Income indicated on the P&L or the income indicated on the initial 1003. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-per 1008, Lender used P&L's to qualify borrower but this is an ITIN 12 mos bank statement loan. no lender worksheet to verify P&l's income is lower than bank statement. Once reviewed bank statements, income is lower w/ bank statements . adding finding for not using correct income type - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-per xxxxxx Guidelines: 12 or 24 Months of business bank statements covering the most recent time period and matching the time period of the P&L. - P&L Sales/Revenue must be supported by the provided bank statements. Total deposits per bank statements, minus any inconsistent deposits, must be no more than 15% below revenue reflected on P&L. The bank statements and P&L must cover the same time period. Qualifying income is the lower of the Net Income indicated on the P&L or the income indicated on the initial 1003. - Due Diligence Vendor-11/17/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | UNDERWRITING WORKSHEET.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852633 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-07 10:09 | 2025-11-17 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender income worksheet. This is an ITIN 12 mos bank statement loan. cannot use P&L's and need lender income worksheet for bank statements - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/13/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxxxxx Income Worksheet PL.pdf<br> xxxxxx Income Worksheet BS Calculation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852633 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-06 07:35 | 2025-11-06 07:35 | Waived | 2 - Non-Material B | Compliance | TILA | CD: General Form Requirements Not Met | Waived-Client Exception Granted with compensating factors. Exception to allow the use of form W7. - Due Diligence Vendor-11/06/2025 |  | Waived-Client Exception Granted with compensating factors. Exception to allow the use of form W7. - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | 1. Low DTI of 14.026% <br> 2. Post closing reserves of 10.74 months <br> 3. FICO of 777 is 117 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852633 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-06 07:34 | 2025-11-06 07:34 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception Granted with compensating factors. Exception required for expired passport. The current ID in file is drivers license. - Due Diligence Vendor-11/06/2025 |  | Waived-Client Exception Granted with compensating factors. Exception required for expired passport. The current ID in file is drivers license. - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | 1. Low DTI of 14.026% <br> 2. Post closing reserves of 10.74 months <br> 3. FICO of 777 is 117 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852633 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-06 07:31 | 2025-11-06 07:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Payment Shock Does Not Meet Guideline Requirements Exception required for payment shock of 235.356%. as per guidelines payment shock should not exceeds 200%. - Due Diligence Vendor-11/06/2025 |  | Waived-Client Exception Granted with compensating factors. Payment Shock Does Not Meet Guideline Requirements Exception required for payment shock of 235.356%. as per guidelines payment shock should not exceeds 200%. - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | 1. Low DTI of 14.026% <br> 2. Post closing reserves of 10.74 months <br> 3. FICO of 777 is 117 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 04:29 | 2025-11-03 10:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception Granted with compensating factors. Audited CLTV of 85% exceeds Guideline CLTV of 80% Guidelines max LTV for primary residence purchase with 696 FICO score is 80% <br> Requesting to increase the LTV to 85% - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Audited CLTV of 85% exceeds Guideline CLTV of 80% Guidelines max LTV for primary residence purchase with 696 FICO score is 80% <br> Requesting to increase the LTV to 85% - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • No derogatory credit history observed in the credit report. <br> • Property is not xxxxxx, and is rated C1 <br> • Conforms to neighborhood standards; stable values and marketing time under 3 months <br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 04:29 | 2025-11-03 10:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client Exception Granted with compensating factors. Audited HCLTV of 85% exceeds Guideline HCLTV of 80% GUIDELINE EXCEPTION 1: <br> Guidelines max LTV for primary residence purchase with 696 FICO score is 80% <br> Requesting to increase the LTV to 85% - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Audited HCLTV of 85% exceeds Guideline HCLTV of 80% GUIDELINE EXCEPTION 1: <br> Guidelines max LTV for primary residence purchase with 696 FICO score is 80% <br> Requesting to increase the LTV to 85% - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • No derogatory credit history observed in the credit report. <br> • Property is xxxxxx, and is rated C1 <br> • Conforms to neighborhood standards; stable values and marketing time under 3 months <br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 04:29 | 2025-11-03 10:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 85% exceeds Guideline LTV of 80% Guidelines max LTV for primary residence purchase with 696 FICO score is 80% <br> Requesting to increase the LTV to 85% - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Audited LTV of 85% exceeds Guideline LTV of 80% Guidelines max LTV for primary residence purchase with 696 FICO score is 80% <br> Requesting to increase the LTV to 85% - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • No derogatory credit history observed in the credit report. <br> • Property is xxxxxx, and is rated C1 <br> • Conforms to neighborhood standards; stable values and marketing time under 3 months <br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 09:34 | 2025-11-03 10:26 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived-Client Exception Granted with compensating factors. Borrower 1 Citizenship Documentation Is Missing Guidelines require an unexpired xxxxxx government-issued photo ID for ITIN borrowers. Lenders exception approved to proceed with only valid foreign passport and ITIN letter as identification - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Borrower 1 Citizenship Documentation Is Missing Guidelines require an unexpired xxxxxx government-issued photo ID for ITIN borrowers. Lenders exception approved to proceed with only valid foreign passport and ITIN letter as identification - Due Diligence Vendor-11/03/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program.<br> • All consumer credit paid as agreed in the most recent 12 months.<br> • No derogatory credit history observed in the credit report.<br> • Property is xxxxxx, and is rated C1<br> • Conforms to neighborhood standards; stable values and marketing time under 3 months<br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 09:49 | 2025-11-03 10:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Client Exception Granted with compensating factors. Guidelines allow for 2% of seller concessions for 0/0 with LTV above 80%. Seller concessions verified to be over 2% (at 2.76%). Lender exception is in file allowing under doc pg #832 - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Guidelines allow for 2% of seller concessions for 0/0 with LTV above 80%. Seller concessions verified to be over 2% (at 2.76%). Lender exception is in file allowing under doc pg #832 - Due Diligence Vendor-11/03/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program.<br> • All consumer credit paid as agreed in the most recent 12 months.<br> • No derogatory credit history observed in the credit report.<br> • Property is xxxxxx, and is rated C1<br> • Conforms to neighborhood standards; stable values and marketing time under 3 months<br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 04:35 | 2025-11-03 10:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception Granted with compensating factors. Audited DTI of 43.55% exceeds Guideline DTI of 43% Max allowed DTI per guideline is 43% <br> Lender exception to proceed with DTI of 43.55% approved - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Audited DTI of 43.55% exceeds Guideline DTI of 43% Max allowed DTI per guideline is 43% <br> Lender exception to proceed with DTI of 43.902% approved - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • No derogatory credit history observed in the credit report. <br> • Property is xxxxxx, and is rated C1 <br> • Conforms to neighborhood standards; stable values and marketing time under 3 months <br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852634 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 04:29 | 2025-11-03 10:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with compensating factors. Audited Reserves of 4.36 are less than Guideline Required Reserves of 8 Guidelines require 8 months of PITIA reserves at $34,144.80 <br> Requesting to proceed with only 4 months of reserves at $17,072.40 - Due Diligence Vendor-11/03/2025 |  | Waived-Client Exception Granted with compensating factors. Audited Reserves of 4.36 are less than Guideline Required Reserves of 8 Guidelines require 8 months of PITIA reserves at $34,144.80 <br> Requesting to proceed with only 4 months of reserves at $17,072.40 - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years | • Borrower's FICO score is 36 points higher than the minimum FICO requirement for the program. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • No derogatory credit history observed in the credit report. <br> • Property is xxxxxx, and is rated C1 <br> • Conforms to neighborhood standards; stable values and marketing time under 3 months <br> • Borrower's business is in existence for almost 13 years with consistent income deposits in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852637 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-17 15:54 | 2025-11-17 15:55 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow cash rental payments documented with receipts. - Due Diligence Vendor-11/17/2025 <br>Open-Missing fully documented rental payment history. Rental payments were made by cash and documented with receipts. - Due Diligence Vendor-11/17/2025 |  | Waived-Client Exception Granted with compensating factors. Client exception granted with compensating factors to allow cash rental payments documented with receipts. - Due Diligence Vendor-11/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.51 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.61 Years | Payment shock is less than 93.964%. <br> • DTI of 8.534%. <br> • Housing ratio of 8.463%. <br> • Reserves exceed minimum required by at least 72.89 months. <br> • Residual income of $31,406.21. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Borrower exceeds minimum credit score requirement by at least 116 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852638 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-17 15:27 | 2025-11-17 15:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived-Client Exception Granted with compensating factors. Client waived exception with compensating factors to allow fully executed W7 in lieu of unexpired ITIN letter. - Due Diligence Vendor-11/17/2025 <br>Open-Missing unexpired ITIN letter. - Due Diligence Vendor-11/17/2025 |  | Waived-Client Exception Granted with compensating factors. Client waived exception with compensating factors to allow fully executed W7 in lieu of unexpired ITIN letter. Photo ID and Passport provided along with expired ITIN letter- Due Diligence Vendor-11/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.93% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years | • Residual income of at least $6,785.18. <br> • Debt ratio of 34.797% <br> • Reserves exceed minimum required by at least 21.52 months. <br> • Current LTV is less 21% than max allowed. <br> • Borrower exceeds minimum credit score requirement by at least 110 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852638 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 08:27 | 2025-10-29 08:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception Granted with compensating factors. Payment Shock Does Not Meet Guideline Requirements Guidelines require maximum 200% for payment shock. Exception approval request for payment shock of 276.549% - Due Diligence Vendor-10/29/2025 |  | Waived-Client Exception Granted with compensating factors. Payment Shock Does Not Meet Guideline Requirements Guidelines require maximum 200% for payment shock. Exception approval request for payment shock of 276.549% - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.93% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years | • Residual income of at least $6,785.18. <br> • Debt ratio of 34.797% <br> • Reserves exceed minimum required by at least 21.52 months. <br> • Current LTV is less 21% than max allowed. <br> • Borrower exceeds minimum credit score requirement by at least 110 points.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852639 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-03 04:47 | 2025-11-17 12:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: xxxxxx loan amount exceeds the max allowed of $750,000 <br> - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Counter-Provided a Signed & Dated Approved Exception form. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $750000 Missing lender exception for loan amount exceeded maximum for ITIN 24 month bank statement program. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: xxxxxx loan amount exceeds the max allowed of $750,000 <br> - Due Diligence Vendor-11/17/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.67 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.74 Years | 1. DTI is 14.672%, max allowed is 43%<br> 2. Fico score 791<br> 3. Residual income is $27,748.77<br> 4. Post closing reserves is 10.11 months, program requires 8 mos. | Binder2.pdf<br>EXCEPTION FORM.pdf<br>EXCEPTION FORM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852641 | xxxxxx | B A | Closed | xxxxxx | 2025-10-14 05:50 | 2025-10-14 05:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Waived-Client Exception Granted with compensating factors. Exception is required to use signed W-7 form in lieu of ITIN letter of borrower - Due Diligence Vendor-10/14/2025 |  | Waived-Client Exception Granted with compensating factors. Exception is required to use signed W-7 form in lieu of ITIN letter of borrower - Due Diligence Vendor-10/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.78 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 89% By Ten Percent (10%) Or More | Residual income of -145.740% <br> Reserves exceed minimum required by 41.54 months <br> Borrower exceeds minimum credit score requirement by 171 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852641 | xxxxxx | B A | Closed | xxxxxx | 2025-10-14 05:48 | 2025-10-14 05:48 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client Exception Granted with compensating factors. Exception to allow tax transcript uploaded by LO. Due to government shutdown transcript ordered by xxxxxx is pending. - Due Diligence Vendor-10/14/2025 |  | Waived-Client Exception Granted with compensating factors. Exception to allow tax transcript uploaded by LO. Due to government shutdown transcript ordered by xxxxxx is pending. - Due Diligence Vendor-10/14/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.78 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 89% By Ten Percent (10%) Or More | Residual income of -145.740% <br> Reserves exceed minimum required by 41.54 months <br> Borrower exceeds minimum credit score requirement by 171 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852641 | xxxxxx | B A | Closed | xxxxxx | 2025-10-14 05:48 | 2025-10-14 05:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception Granted with compensating factors. Audited DTI of 49.99% exceeds Guideline DTI of 43% Exception is required to allow 50% max dti. Per guideline current max allowed is 43% - Due Diligence Vendor-10/14/2025 |  | Waived-Client Exception Granted with compensating factors. Audited DTI of 49.99% exceeds Guideline DTI of 43% Exception is required to allow 50% max dti. Per guideline current max allowed is 43% - Due Diligence Vendor-10/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.78 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 89% By Ten Percent (10%) Or More | Residual income of -145.740% <br> Reserves exceed minimum required by 41.54 months <br> Borrower exceeds minimum credit score requirement by 171 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852663 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 05:37 | 2025-11-17 12:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Updated 1008 provided. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Attached 1008 has 8.341% vs 8.44%.<br> Final xxxxxx balance per LQCC is $16,372 vs $16,127.14 per audit<br> - Seller-11/14/2025 <br> Counter-Updated 1008 reflecting the Audited DTI of 8.44% is needed. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-If you are coming up with a lesser DTI, and our DTI is still within guidelines, what specific action is needed here? <br>Borrower has 1,700,000 in liquid assets. <br> - Seller-11/10/2025 <br> Counter-Audited DTI of 8.44% vs Lenders DTI of 15.204% - the difference is coming from the Lender is including the xxxxxx 30 day account of $16,127.14 in the ratios when this is a 30 day account and is included in the required assets. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-1008/Underwriting Summary Not Provided 1008 doc missing in file - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Attached 1008 has 8.341% vs 8.44%.<br> Final xxxxxx balance per LQCC is $16,372 vs $16,127.14 per audit<br> - Seller-11/14/2025 <br> Ready for Review-If you are coming up with a lesser DTI, and our DTI is still within guidelines, what specific action is needed here? <br>Borrower has 1,700,000 in liquid assets. <br> - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 | Resolved-Updated 1008 provided. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.07 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years |  | FINAL - 1008.pdf<br> xxxxxx - FINAL 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852663 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 05:54 | 2025-10-31 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-HOA is missing for xxxxxx - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-HOA statement provided - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.07 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years |  | HOA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852667 | xxxxxx | C A | Closed | xxxxxx | 2025-11-22 04:44 | 2025-11-26 17:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.24 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please find uploaded the sellers rebuttal. xxxxxx! - Due Diligence Vendor-11/26/2025 <br>Open-Audited Reserves of 0.42 are less than Guideline Required Reserves of 6 Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-11/22/2025 |  | Resolved-Audited Reserves of 7.24 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.03% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | Full Review852667_xxxxxx_11_26_2025_84652_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852760 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852769 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 13:53 | 2025-11-25 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-There is a new updated credit report that was sent to you, why do you need a copy of the old one? - Due Diligence Vendor-11/24/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing Original CBR at the time of Application, File contains a credit score disclosure dated xxxxxx but missing the CBR from the loan file. - Due Diligence Vendor-11/21/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.58 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852769 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 01:56 | 2025-11-21 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-11/20/2025 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-11/19/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | 852769_xxxxxx_Contract.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852781 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852889 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852987 | xxxxxx | D A | Closed | xxxxxx | 2025-11-03 23:45 | 2025-11-06 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Counter-Please provide all pages of the Drive report. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/06/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.83 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | DATAVERIFY DRIVE REPORT (39).pdf<br>LDP_GSA (17).pdf<br>DATAVERIFY DRIVE REPORT (41).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852988 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 05:38 | 2025-10-30 11:09 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Appraisal is Missing. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-10/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | APPRAISAL REPORT (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852997 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 23:19 | 2025-11-05 14:12 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.97 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 24.97 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | transmittal_19_pdf (59).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852999 | xxxxxx | B A | Closed | xxxxxx | 2025-10-29 05:41 | 2025-11-03 10:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Counter-Lenders 1008 provided however Audited DTI is 29.14% vs 1008 of 38.920% - Subject PITIA $4554.88 / REO rent loss $3226.72 / Consumer Debts $3995.00 = $11,776.60 - Provided updated 1008 with Audited DTI ratio of 29.14% - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 29.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Ye Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 82.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years |  | transmittal_19_pdf (6).pdf<br>transmittal_19_pdf (57).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853000 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853004 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 10:09 | 2025-11-11 09:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.36% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | PCCD_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853004 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-06 08:30 | 2025-11-09 07:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/09/2025 <br> Ready for Review-Document Uploaded. UDN - end date xxxxxx - Seller-11/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. UDN - end date xxxxxx - Seller-11/08/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.36% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | LQI CREDIT REPORT (3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853005 | xxxxxx | B A | Closed | xxxxxx | 2025-11-10 08:00 | 2025-11-11 13:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 1008 - FINAL (97).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853007 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853008 | xxxxxx | B A | Closed | xxxxxx | 2025-11-04 13:40 | 2025-11-05 12:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-1008/Underwriting Summary Partially Provided Please provide updated 1008 reflecting borrower's primary residence payment and xxxxxx property payment in the DTI. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/05/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.99 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 1008 - FINAL (95).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853010 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853012 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 23:32 | 2025-11-14 09:45 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br> Resolved-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-\*\*Final Appraisal fee increased to $745. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/11/2025 <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 $45.00.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). \*\*\*N/A - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Cured-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br>Resolved-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.18% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 8.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Binder3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853012 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 23:32 | 2025-11-14 09:45 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br> Resolved-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-\*\*Final Appraisal fee increased to $745. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/11/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*N/A - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Cured-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br>Resolved-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.18% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 8.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Binder3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853012 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 23:32 | 2025-11-14 09:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-\*\*Final Appraisal fee increased to $745. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/11/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*Final Appraisal fee increased to $745. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-\*\*\*Received PCCD, LOE, evidence of principal reduction. - Due Diligence Vendor-11/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.18% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 8.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Binder3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853012 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 02:54 | 2025-11-12 10:31 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025 <br>Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $7.27. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/12/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.18% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 8.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | BANK STATEMENTS (35).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853015 | xxxxxx | D A | Closed | xxxxxx | 2025-11-07 12:43 | 2025-11-13 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Borrower 3 Gap Credit Report is not missing. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Borrower 3 Gap Credit Report is Missing - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Borrower 3 Gap Credit Report is not missing. - Due Diligence Vendor-11/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 45 Years<br>Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | LQI CREDIT REPORT (30).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853016 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853018 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853019 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853021 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853022 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853023 | xxxxxx | D A | Closed | xxxxxx | 2025-11-08 04:46 | 2025-11-11 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Trust doc missing in file. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years |  | VESTING REQUESTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853023 | xxxxxx | D A | Closed | xxxxxx | 2025-11-08 02:28 | 2025-11-11 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years |  | FLOOD CERTIFICATION (21).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853025 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 05:08 | 2025-11-09 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/09/2025 <br>Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Open-Title Document is missing Missing title commitment or final title policy if applicable - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-11/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PRELIM TITLE REPORT (38).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853026 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-04 18:48 | 2025-11-09 07:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Rent Free housing-History subject to 80% max LTV - Seeking 85% - Due Diligence Vendor-11/09/2025 <br> Ready for Review-Document Uploaded. - Seller-11/08/2025 <br> Counter-Document Uploaded. Exception form is dated xxxxxx - Please provide a corrected Approved Exception form with the correct date/Year - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Missing approved exception with comp factors for LTV of 85% with Non Perm & no primary housing history. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Rent Free housing-History subject to 80% max LTV - Seeking 85% - Due Diligence Vendor-11/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Residual income of 15351.65 exceeds 1.5x guideline minimum | Fico 20+ points<br> DTI 5% below max<br> PITIA reserves above min by 6 months | xxxxxx (1).pdf<br> Screenshot 2025-11-07 075313.jpg<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 853028 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 06:14 | 2025-11-03 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Open-Title Document is Incomplete, provided only 1 page. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years |  | PRELIM TITLE REPORT - 2025-10-30T133807.619.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853028 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-28 23:49 | 2025-10-29 14:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Primary Value Valuation Neighborhood Rural Location Not Allowed for Program. - Due Diligence Vendor-10/29/2025 |  | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Primary Value Valuation Neighborhood Rural Location Not Allowed for Program. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years | DTI 5% below max<br> PITIA reserves above min by 6 months<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853028 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 01:06 | 2025-10-29 08:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception Granted with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Borrower loan amount is xxxxxx which is not meeting the guideline min loan amount $150,000<br>(1) rural (2) Loan amount < $150k - Due Diligence Vendor-10/29/2025 |  | Waived-Client Exception Granted with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Borrower loan amount is xxxxxx. which is not meeting the guideline min loan amount $150,000<br>(1) rural (2) Loan amount < $150k - Due Diligence Vendor-10/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years | DTI 5% below max<br> PITIA reserves above min by 6 months<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 853029 | xxxxxx | B A | Closed | xxxxxx | 2025-11-05 05:50 | 2025-11-09 07:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/09/2025 <br>Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.49% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 229.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | 1008 - FINAL (20).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853031 | xxxxxx | B A | Closed | xxxxxx | 2025-10-13 15:19 | 2025-10-13 15:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Approved exception with comp factors for 5% increase to LTV for 80% when guideline max in a declining market is 75%.<br> - Due Diligence Vendor-10/13/2025 |  | Waived-Client Exception Granted with compensating factors. Approved exception with comp factors for 5% increase to LTV for 80% when guideline max in a declining market is 75%.<br> - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.08% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 | FICO 20+ points. PITIA reserves above min by 6 months. 5+ years business ownership.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853032 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853033 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853034 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-07 15:42 | 2025-11-11 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-PRA card provided. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing evidence of Permanent Resident documentation. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-PRA card provided. - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.99% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | PRC-DAT-xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853034 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-07 15:07 | 2025-11-07 15:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Audited LTV of 85% exceeds Guideline LTV of 80% Lender exception for additional 5% LTV for FTHB and rent free borrower - Due Diligence Vendor-11/07/2025 | Page 387 - 11/07/2025 <br>| Waived-Client Exception Granted with compensating factors. Audited LTV of 85% exceeds Guideline LTV of 80% Lender exception for additional 5% LTV for FTHB and rent free borrower - Due Diligence Vendor-11/07/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.99% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Residual income of 4999.44 exceeds 1.5x guideline minimum | DTI 5% below max<br> PITIA reserves above minimum by 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853035 | xxxxxx | C A | Closed | xxxxxx | 2025-11-11 15:42 | 2025-11-13 08:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. coc - Seller-11/12/2025 <br> Open-\*\*\*Final discount points fee increased. Original file does not contain a COC with a valid reason in relation to the increase. - Due Diligence Vendor-11/11/2025 <br> Rescinded-\*\*\*N/A - Due Diligence Vendor-11/11/2025 <br> Open-\*\*\*Final Discount point fee increased. The original file does not contain a COC with a valid reason in relation to the increase. - Due Diligence Vendor-11/11/2025 <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 $1,837.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. coc - Seller-11/12/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-11/13/2025 <br>Rescinded-\*\*\*N/A - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 71.71% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.89 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (67).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853035 | xxxxxx | C A | Closed | xxxxxx | 2025-11-11 15:42 | 2025-11-13 08:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. coc - Seller-11/12/2025 <br>Open-\*\*\*Final discount points fee increased. Original file does not contain a COC with a valid reason in relation to the increase. - Due Diligence Vendor-11/11/2025 <br>Rescinded-\*\*\*N/A - Due Diligence Vendor-11/11/2025 <br>Open-\*\*\*Final Discount point fee increased. The original file does not contain a COC with a valid reason in relation to the increase. - Due Diligence Vendor-11/11/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/11/2025 <br>Open- - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. coc - Seller-11/12/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-11/13/2025 <br>Rescinded-\*\*\*N/A - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 71.71% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.89 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (67).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853035 | xxxxxx | C A | Closed | xxxxxx | 2025-11-11 15:42 | 2025-11-13 08:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. coc - Seller-11/12/2025 <br> Open-\*\*\*Final discount points fee increased. Original file does not contain a COC with a valid reason in relation to the increase. - Due Diligence Vendor-11/11/2025 <br> Rescinded-\*\*\*N/A - Due Diligence Vendor-11/11/2025 <br> Open-\*\*\*Final Discount point fee increased. The original file does not contain a COC with a valid reason in relation to the increase. - Due Diligence Vendor-11/11/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. coc - Seller-11/12/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-11/13/2025 <br>Rescinded-\*\*\*N/A - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 71.71% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.89 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (67).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853038 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853040 | xxxxxx | C A | Closed | xxxxxx | 2025-11-04 00:36 | 2025-11-06 09:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025 <br> Resolved- - Due Diligence Vendor-11/06/2025 <br> Ready for Review-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $221.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-The following charges have been added Discount Point and Fee $1,878.50 resulting in a 0% tolerance cure in the amount of $1,878.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1,878.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,878.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). RCD dated xxxxxx reflects Points and discounts Fee $$1,657.50 however, Final CD dated xxxxxx reflects the Points and discounts Fee $1,878.50 The fee ($221) has been increased for Points and discounts Fee which exceeds the 0% tolerance. Required valid COC or cure amount of $221.0 - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.16 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (60).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853040 | xxxxxx | C A | Closed | xxxxxx | 2025-11-04 00:36 | 2025-11-06 09:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025 <br> Resolved- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Final CD - broker paid the difference on page 3 (L06) - Seller-11/05/2025 <br> Open-The following charges have been added Discount Point and Fee $1,878.50 resulting in a 0% tolerance cure in the amount of $1,878.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1,878.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Final CD - broker paid the difference on page 3 (L06) - Seller-11/05/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.16 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (60).pdf<br>M CD final.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853040 | xxxxxx | C A | Closed | xxxxxx | 2025-11-04 00:36 | 2025-11-06 09:06 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025 <br> Resolved- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Final CD - broker paid pge 3 - Seller-11/05/2025 <br> Open-The following charges have been added Discount Point and Fee $1,878.50 resulting in a 0% tolerance cure in the amount of $1,878.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1,878.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Final CD - broker paid pge 3 - Seller-11/05/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.16 Years |  | M CD final.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853040 | xxxxxx | C A | Closed | xxxxxx | 2025-11-04 00:36 | 2025-11-06 09:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-11/06/2025 <br> Resolved- - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,105.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender Credit(s) have been removed, resulting in a 0% tolerance cure in the amount of $1,105. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $1,105 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-11/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.16 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (58).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (59).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853041 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853042 | xxxxxx | D A | Closed | xxxxxx | 2025-11-08 18:19 | 2025-11-11 10:09 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-CPA letter provided stating: Withdrawal of funds from the business account of the Company will not have a negative effect on regular business operation - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence borrower is 100% owner of xxxxxx (asset 3), also seen on closing instructions, page 105 - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-CPA letter provided stating: Withdrawal of funds from the business account of the Company will not have a negative effect on regular business operation - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.89 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.2 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | LOE - CPA (7).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853043 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853044 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853045 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 10:12 | 2025-11-05 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO documents provided - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Borrower is availing an concurrent loan on xxxxxx . No closing documents have been provided . - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-REO documents provided - Due Diligence Vendor-11/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xxxxxx.pdf<br> TAX STATEMENT_BILL - SUBJECT (8).pdf<br> TAX STATEMENT_BILL - SUBJECT (8).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853045 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 10:11 | 2025-11-05 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Appraisal to confirm HOA dues<br> Taxes for xxxxxx = xxxxxx TAXES: PER TAX CERT. 2.929562% X xxxxxx - Seller-11/04/2025 <br> Open-Borrower is taking an concurrent loan with xxxxxx on xxxxxx paying off the first lien but no closing documents have been provided & & xxxxxx . Please provide Tax , Insurance & Hoa documents . - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Appraisal to confirm HOA dues<br> Taxes for xxxxxx = NEW CONSTRUCTION TAXES: PER TAX CERT. 2.929562% X xxxxxx - Seller-11/04/2025 | Resolved-REO documents provided - Due Diligence Vendor-11/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | APPRAISAL REPORT (31).pdf<br> UPDATED HAZARD INSURANCE (18).pdf<br> TAX STATEMENT_BILL - SUBJECT (8).pdf<br> xxxxxx.pdf<br> xxxxxx.pdf<br> EXISTING HAZARD INSURANCE (39).pdf<br> APPRAISAL (15).pdf<br> TAX STATEMENT_BILL - SUBJECT (9).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853046 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853047 | xxxxxx | D A | Closed | xxxxxx | 2025-10-16 06:32 | 2025-10-20 09:35 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | CONDITION(S) (6).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853047 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 12:40 | 2025-10-19 09:13 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail is sufficient - Due Diligence Vendor-10/19/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,900.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Non-specific lender credits in Section J decreased to zero in the CD issued xxxxxx. The original file does not contain a valid COC reason in relation to the decrease. - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-COC event detail is sufficient - Due Diligence Vendor-10/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | CIC_COC CHANGE OF CIRCUMSTANCE (42).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853049 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853050 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-22 23:06 | 2025-10-27 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | data (4).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853050 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-23 03:07 | 2025-10-27 09:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD & COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Initial CD missing in the file. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-ICD & COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | CD - INITIAL CLOSING DISCLOSURE (48).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853050 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-23 19:12 | 2025-10-27 09:40 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD & COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025 <br> Resolved- - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-ICD & COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | CD - INITIAL CLOSING DISCLOSURE (48).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853050 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-23 19:12 | 2025-10-27 09:40 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-ICD & COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025 <br> Resolved- - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($960.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*Final Section J lender credits decreased to zero. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-ICD & COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-10/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | CIC_COC CHANGE OF CIRCUMSTANCE (52).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853051 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853053 | xxxxxx | C A B | Closed | xxxxxx | 2025-11-08 09:12 | 2025-11-11 10:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | transmittal_19_pdf (64).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853053 | xxxxxx | C A B | Closed | xxxxxx | 2025-11-08 13:32 | 2025-11-11 09:04 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail provided, xxxxxx - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,167.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender Credit reduced from$2,167.50 to $0 on the FCD , resulting in a 0% tolerance cure in the amount of $2,167.50. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $2,167.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-COC event detail provided, xxxxxx - Due Diligence Vendor-11/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (61).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853054 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853055 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853056 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853058 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-30 14:22 | 2025-11-04 10:54 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025 <br> Ready for Review- - Due Diligence Vendor-11/04/2025 <br> Counter-A lender credits (specific, general &/or Curative), once disclosed is binding. The reduction may only be provided pursuant to § 1026.19(e)(3)(iv). Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $8,479.69 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Lender credit did not change. It is lender paid compensation by lender that reduced - Seller-10/31/2025 <br> Open-Lender Credit reduced from$18,984.38 to $10,504.69 on the FCD , resulting in a 0% tolerance cure in the amount of $8,479.69. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $8,479.69 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/30/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($10,504.69) does not exceed or equal the comparable sum of specific and non-specific lender credits ($18,984.38). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 | The discount points were reduced as a result of the LPC reduction which benefited the borrower. - 11/04/2025 <br>Ready for Review-Lender credit did not change. It is lender paid compensation by lender that reduced - Seller-10/31/2025 | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validation Months Reserves Of 19.99 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validation Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validation Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validation Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validation Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853058 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-30 09:16 | 2025-11-03 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Missing Hazard Insurance Policy for xxxxxx - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validation Months Reserves Of 19.99 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validation Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validation Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validation Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validation Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.75 Years |  | EXISTING HAZARD INSURANCE (38).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853061 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853062 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853065 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853067 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853070 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 13:23 | 2025-10-23 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. using 60% off value - Seller-10/22/2025 <br>Open-Asset 4 Missing - Other on 1003 of $32,201.12 used to qualify is missing from loan file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. using 60% off value - Seller-10/22/2025<br>| Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-10/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.85 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.84 Years |  | BANK STATEMENTS (30).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853075 | xxxxxx | C A | Closed | xxxxxx | 2025-11-06 06:36 | 2025-11-19 09:45 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-LOE provided with Unexpired master policy stating: Loan funded xxxxxx; however, HO6 policy effective date is xxxxxx. The unit is part of a xxxxxx and has a master policy which covers the unit. The H06 is just for betterments and improvements. We checked FEMA and there were no reported disasters in the subject area location. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Counter-The Master Policy provided has an expiration date of xxxxxx - Subject Loan closed xxxxxx. Missing unexpired Master Policy - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please escalate to xxxxxx for review and exception - Seller-11/17/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. Please escalate to xxxxxx for review and exception - Seller-11/17/2025 | Resolved-LOE provided with Unexpired master policy stating: Loan funded xxxxxx; however, HO6 policy effective date is xxxxxx. The unit is part of a xxxxxx and has a master policy which covers the unit. The H06 is just for betterments and improvements. We checked FEMA and there were no reported disasters in the subject area location. - Due Diligence Vendor-11/19/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxxxxx.pdf<br> EXISTING MASTER POLICY (10).pdf<br> MASTER POLICY EXP xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853076 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853078 | xxxxxx | D A | Closed | xxxxxx | 2025-11-02 23:31 | 2025-11-05 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 6.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Calculated DTI Of 4.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Of 28.52 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | FLOOD CERTIFICATION (20).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853079 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853080 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 19:28 | 2025-11-03 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Missing Taxes/Insurance for:<br> xxxxxx (if not escrowed, conditioned for mortgage statement)<br> xxxxxx (if not escrowed, conditioned for mortgage statement)<br> xxxxxx (no taxes, no HOA statement)<br>- Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.44 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx - Note.pdf<br> xxxxxx - Insurance.pdf<br> xxxxxx - HUD.pdf<br> xxxxxx - Tax Bill.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853080 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 03:25 | 2025-11-03 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx - We recently closed a rate and term first TD on this property. Attached is the note, HUD, tax bill and insurance dec pg.<br> xxxxxx - We recently closed a cash out first TD on this property. Attached is the note, HUD, tax bill and insurance dec pg. There is not 2nd. We paid off the first with xxxxxx.<br> xxxxxx - We recently closed a 2nd on this property. Attached is the note, HUD, insurance, taxes and mortgage statement for the 1st. <br> attached the rental worksheet that was in the file. They can see the breakdown for each property and no rental income was used to qualify for any property.<br> - Seller-10/31/2025 <br> Open-Missing Mortgage statement for the property xxxxxx - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. xxxxxx - We recently closed a rate and term first TD on this property. Attached is the note, HUD, tax bill and insurance dec pg.<br> xxxxxx - We recently closed a cash out first TD on this property. Attached is the note, HUD, tax bill and insurance dec pg. There is not 2nd. We paid off the first with xxxxxx.<br> xxxxxx - We recently closed a 2nd on this property. Attached is the note, HUD, insurance, taxes and mortgage statement for the 1st. <br> attached the rental worksheet that was in the file. They can see the breakdown for each property and no rental income was used to qualify for any property.<br> - Seller-10/31/2025 |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.44 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Missing Mortgage Statements For:<br> xxxxxx - (xxxxxx, will need taxes and insurance if not escrowed)<br> xxxxxx (1st and 2nd, will need taxes and insurance if not escrowed)<br> xxxxxx (xxxxxx, will need taxes and insurance if not escrowed) | xxxxxx - HUD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853080 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 19:12 | 2025-11-03 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.21% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Audited DTI of 59.48% exceeds Guideline DTI of 50% - This is because of:<br>xxxxxx – 10/01/25 Statement on file – property not listed on 1003, don't see a property sale document however and with this statement in his name, this property should have been entered into the rental income calculator.<br>Didn't hit for second lien on xxxxxx (two liens on that property)<br>xxxxxx – current primary residence, $14680.65, statement for our client, not in our rental calculator even though 1003 lists it as well and no documentation on file it has sold or is no longer our client's obligation. Adding to calculator.<br>xxxxxx – Two liens, didn't hit for xxxxxx monthly payment on page 916 (other statement is on page 922). Entered into calculator<br>There are two liens – xxxxxx for xxxxxx and xxxxxx – so the xxxxxx is a xxxxxx loan, page 930 has a receipt for a mortgage payment it looks like for that amount.<br>We will likely need confirmation that additional mortgage debts are being applied incorrectly or properties listed as retained on 1003 have been sold and client no longer has them as an obligation so we can remove from DTI - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Audited DTI of 44.21% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.44 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx - 2nd Note.pdf<br> xxxxxx - 1st Impounded.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853081 | xxxxxx | B A | Closed | xxxxxx | 2025-10-09 04:14 | 2025-10-09 08:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property. - Due Diligence Vendor-10/09/2025 |  | Waived-Client Exception Granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property. - Due Diligence Vendor-10/09/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.41 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | PITIA reserves above min by 6 months.<br> 5+ years on job.<br> 5+ years business ownership. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 853082 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853083 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853084 | xxxxxx | D A | Closed | xxxxxx | 2025-10-14 00:32 | 2025-10-17 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years |  | UPDATED HAZARD INSURANCE (13).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853085 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-30 13:23 | 2025-11-03 13:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Loan amount xxxxxx max LTV is 85% - Seeking 87.951% LTV - Must have 12 months reserves - up to 90% LTV Max - Max DTI of 50% - 12 months bank statements - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Audited LTV of 87.95% exceeds Guideline LTV of 85% Missing lender exception. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Waived-Client Exception Granted with compensating factors. Exception granted with supporting comp factors: Loan amount xxxxxx max LTV is 85% - Seeking 87.951% LTV - Must have 12 months reserves - up to 90% LTV Max - Max DTI of 50% - 12 months bank statements - Due Diligence Vendor-11/03/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Fico 20+ points<br> DTI 5% below max<br> Reserves are 14.77 | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853086 | xxxxxx | C A B | Closed | xxxxxx | 2025-11-05 10:04 | 2025-11-07 07:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-1008/Underwriting Summary Not Provided Provided 1008/Underwriting Summary for the Subject Property. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | transmittal_19_pdf (61).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853086 | xxxxxx | C A B | Closed | xxxxxx | 2025-11-05 09:29 | 2025-11-07 07:24 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Secondary Value) | Resolved-Secondary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Secondary Value for Subject Property Appraisal is not on an As-Is Basis and the 1004D Completion Report is not fully Present Provide 1004D for the Subject Property. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Secondary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report was provided - Due Diligence Vendor-11/07/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 1004d.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853086 | xxxxxx | C A B | Closed | xxxxxx | 2025-11-05 09:29 | 2025-11-07 07:24 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Provide 1004D for the Subject Property. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report was provided - Due Diligence Vendor-11/07/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 1004d.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853087 | xxxxxx | D A | Closed | xxxxxx | 2025-10-07 01:50 | 2025-10-10 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. xxxxxx payment letter - loan is impounded<br> xxxxxx - payment letter - loan is impounded - Seller-10/09/2025 <br> Counter-the Condition is for Missing mortgage statement for property xxxxxx and provide documents Missing verification of taxes, insurance, and/or HOA fees for xxxxxx - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Missing mortgage statement for property xxxxxx, <br> and provide documents Missing verification of taxes, insurance, and/or HOA fees for # xxxxxx - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. xxxxxx payment letter - loan is impounded<br> xxxxxx - payment letter - loan is impounded - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 | Resolved-REO documents provided. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 622.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | APPRAISAL (11).pdf<br> payment letter.pdf<br> xxxxxx payment letter.pdf<br> xxxxxx payment.pdf<br> REO - HOA - STATEMENT (4).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853087 | xxxxxx | D A | Closed | xxxxxx | 2025-10-08 10:02 | 2025-10-09 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. EIN - located at the bottom of the tax return - Seller-10/08/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. EIN - located at the bottom of the tax return - Seller-10/08/2025<br>| Resolved-Business Documents provided. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 622.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | LOE - BUSINESS (2).pdf<br>LOE - BUSINESS (3).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853088 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 00:32 | 2025-11-07 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-First payment Letter (escrowed) and Note provided, - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Mortgage statement is missing for the REO property address xxxxxx to verify the mortgage payment amount of xxxxxx - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-First payment Letter (escrowed) and Note provided, - Due Diligence Vendor-11/07/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 79.9% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 17.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 38.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | REO - MORTGAGE STATEMENT (8).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853089 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853091 | xxxxxx | D A | Closed | xxxxxx | 2025-11-07 10:38 | 2025-11-14 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 694 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | FLOOD CERTIFICATION (22).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853091 | xxxxxx | D A | Closed | xxxxxx | 2025-11-07 10:38 | 2025-11-14 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Counter-Missing the HOI Policy for the Subject Loan located at xxxxxx, the Policy provided is for xxxxxx - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 694 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | EXISTING HAZARD INSURANCE (41).pdf<br>EXISTING HAZARD INSURANCE (43).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853136 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853315 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853495 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853520 | xxxxxx | D A | Closed | xxxxxx | 2025-11-23 00:28 | 2025-12-02 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Newly closed HELOC Agreement provided for xxxxxx - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. See attached HELOC agreement which has the terms. - Due Diligence Vendor-12/01/2025 <br> Open-Provide Heloc Mortgage Statement for the Primary Residency " xxxxxx " with P & I is $1,016.29. - Due Diligence Vendor-11/23/2025 |  | Resolved-Newly closed HELOC Agreement provided for xxxxxx - Due Diligence Vendor-12/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 49.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.65 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.65 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.65 Years |  | 853520_xxxxxx_heloc.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853533 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 02:44 | 2025-11-26 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please see attached Purchase Contract. <br> - Due Diligence Vendor-11/26/2025 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-11/24/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 30.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | Full Review853533_xxxxxx_11_26_2025_114418_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853848 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 09:26 | 2025-11-25 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Gift letter and gift fund with amount $65k. It was included in the CP before. xxxxxx. - Seller-11/25/2025 <br> Open-Asset 2 Missing. Provide documentation to evidence gift funds were received, from the donor, by the closing agent for $65,000. At the time of review only the gift letter was provided. . - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Gift letter and gift fund with amount $65k. It was included in the CP before. xxxxxx. - Seller-11/25/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-11/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx-Gift Fund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853936 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 18:37 | 2025-11-24 10:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-1008/Underwriting Summary Partially Provided Missing 1008 (lender approval in file) - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/21/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.47 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.48 Years |  | 1008 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853936 | xxxxxx | B A | Closed | xxxxxx | 2025-11-21 10:08 | 2025-11-24 10:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.47 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.48 Years |  | 1008 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |

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## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY RATING AGENCY GRADES**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 837678 | xxxxxx |  | xxxxxx A |
| 841099 | xxxxxx |  | xxxxxx C A |
| 841956 | xxxxxx |  | xxxxxx D A |
| 842782 | xxxxxx |  | xxxxxx A |
| 842840 | xxxxxx |  | xxxxxx D A |
| 842955 | xxxxxx |  | xxxxxx C A |
| 843427 | xxxxxx |  | xxxxxx A |
| 843651 | xxxxxx |  | xxxxxx A |
| 843751 | xxxxxx |  | xxxxxx A |
| 843870 | xxxxxx |  | xxxxxx A |
| 843994 | xxxxxx |  | xxxxxx A |
| 844062 | xxxxxx |  | xxxxxx A |
| 844125 | xxxxxx |  | xxxxxx A |
| 844131 | xxxxxx |  | xxxxxx A D |
| 844150 | xxxxxx |  | xxxxxx B A |
| 844224 | xxxxxx |  | xxxxxx A |
| 844317 | xxxxxx |  | xxxxxx A |
| 844384 | xxxxxx |  | xxxxxx A |
| 844533 | xxxxxx |  | xxxxxx B A |
| 844574 | xxxxxx |  | xxxxxx B A |
| 844612 | xxxxxx |  | xxxxxx A |
| 844666 | xxxxxx |  | xxxxxx A |
| 844684 | xxxxxx |  | xxxxxx A D |
| 844720 | xxxxxx |  | xxxxxx C A |
| 844749 | xxxxxx |  | xxxxxx D C B A |
| 844835 | xxxxxx |  | xxxxxx D A |
| 844842 | xxxxxx |  | xxxxxx A |
| 844849 | xxxxxx |  | xxxxxx D A |
| 844856 | xxxxxx |  | xxxxxx A |
| 844898 | xxxxxx |  | xxxxxx D A |
| 844945 | xxxxxx |  | xxxxxx A C |
| 845140 | xxxxxx |  | xxxxxx A |
| 845153 | xxxxxx |  | xxxxxx A |
| 845219 | xxxxxx |  | xxxxxx A |
| 845405 | xxxxxx |  | xxxxxx A |
| 845532 | xxxxxx |  | xxxxxx A D |
| 845542 | xxxxxx |  | xxxxxx A C |
| 845598 | xxxxxx |  | xxxxxx A C |
| 845599 | xxxxxx |  | xxxxxx A C |
| 845713 | xxxxxx |  | xxxxxx A D |
| 845727 | xxxxxx |  | xxxxxx C A B |
| 845749 | xxxxxx |  | xxxxxx D A |
| 845763 | xxxxxx |  | xxxxxx D A |
| 845764 | xxxxxx |  | xxxxxx A |
| 845774 | xxxxxx |  | xxxxxx A |
| 845822 | xxxxxx |  | xxxxxx A |
| 845824 | xxxxxx |  | xxxxxx A |
| 845861 | xxxxxx |  | xxxxxx A |
| 845894 | xxxxxx |  | xxxxxx A |
| 845987 | xxxxxx |  | xxxxxx C A |
| 846010 | xxxxxx |  | xxxxxx D A |
| 846112 | xxxxxx |  | xxxxxx A |
| 846149 | xxxxxx |  | xxxxxx A |
| 846172 | xxxxxx |  | xxxxxx D A |
| 846188 | xxxxxx |  | xxxxxx A |
| 846234 | xxxxxx |  | xxxxxx A |
| 846239 | xxxxxx |  | xxxxxx A |
| 846253 | xxxxxx |  | xxxxxx D A |
| 846309 | xxxxxx |  | xxxxxx A |
| 846316 | xxxxxx |  | xxxxxx B A |
| 846319 | xxxxxx |  | xxxxxx A |
| 846332 | xxxxxx |  | xxxxxx A |
| 846375 | xxxxxx |  | xxxxxx A |
| 846383 | xxxxxx |  | xxxxxx D A B |
| 846398 | xxxxxx |  | xxxxxx A |
| 846408 | xxxxxx |  | xxxxxx A |
| 846454 | xxxxxx |  | xxxxxx A |
| 846465 | xxxxxx |  | xxxxxx A |
| 846497 | xxxxxx |  | xxxxxx D A |
| 846531 | xxxxxx |  | xxxxxx A |
| 846541 | xxxxxx |  | xxxxxx A D |
| 846543 | xxxxxx |  | xxxxxx B A |
| 846545 | xxxxxx |  | xxxxxx C A |
| 846546 | xxxxxx |  | xxxxxx A |
| 846548 | xxxxxx |  | xxxxxx C A |
| 846549 | xxxxxx |  | xxxxxx A |
| 846575 | xxxxxx |  | xxxxxx D A B |
| 846576 | xxxxxx |  | xxxxxx D A B |
| 846577 | xxxxxx |  | xxxxxx D A B |
| 846578 | xxxxxx |  | xxxxxx D A |
| 846580 | xxxxxx |  | xxxxxx D A C |
| 846581 | xxxxxx |  | xxxxxx D C A |
| 846582 | xxxxxx |  | xxxxxx D A |
| 846584 | xxxxxx |  | xxxxxx D A B |
| 846585 | xxxxxx |  | xxxxxx D C A |
| 846586 | xxxxxx |  | xxxxxx D A C B |
| 846587 | xxxxxx |  | xxxxxx C A B |
| 846588 | xxxxxx |  | xxxxxx A C |
| 846589 | xxxxxx |  | xxxxxx D C A |
| 846590 | xxxxxx |  | xxxxxx D A B |
| 846591 | xxxxxx |  | xxxxxx D A B |
| 846592 | xxxxxx |  | xxxxxx D A |
| 846594 | xxxxxx |  | xxxxxx D A B |
| 846595 | xxxxxx |  | xxxxxx D A |
| 846596 | xxxxxx |  | xxxxxx D A |
| 846597 | xxxxxx |  | xxxxxx D C A B |
| 846598 | xxxxxx |  | xxxxxx D C A |
| 846600 | xxxxxx |  | xxxxxx C A |
| 846601 | xxxxxx |  | xxxxxx D C A |
| 846602 | xxxxxx |  | xxxxxx D A |
| 846603 | xxxxxx |  | xxxxxx D A |
| 846604 | xxxxxx |  | xxxxxx D A C |
| 846605 | xxxxxx |  | xxxxxx D A |
| 846606 | xxxxxx |  | xxxxxx D A |
| 846607 | xxxxxx |  | xxxxxx D C A |
| 846608 | xxxxxx |  | xxxxxx A C |
| 846609 | xxxxxx |  | xxxxxx D A |
| 846610 | xxxxxx |  | xxxxxx A D |
| 846611 | xxxxxx |  | xxxxxx D A |
| 846612 | xxxxxx |  | xxxxxx D A |
| 846613 | xxxxxx |  | xxxxxx D A |
| 846614 | xxxxxx |  | xxxxxx D A |
| 846615 | xxxxxx |  | xxxxxx D A B |
| 846616 | xxxxxx |  | xxxxxx D A B |
| 846617 | xxxxxx |  | xxxxxx D A B |
| 846618 | xxxxxx |  | xxxxxx D C A |
| 846621 | xxxxxx |  | xxxxxx D A C B |
| 846622 | xxxxxx |  | xxxxxx D A |
| 846623 | xxxxxx |  | xxxxxx D A |
| 846624 | xxxxxx |  | xxxxxx D A B |
| 846625 | xxxxxx |  | xxxxxx D A B |
| 846626 | xxxxxx |  | xxxxxx C D A |
| 846627 | xxxxxx |  | xxxxxx D A C |
| 846628 | xxxxxx |  | xxxxxx D A B |
| 846629 | xxxxxx |  | xxxxxx D A C |
| 846632 | xxxxxx |  | xxxxxx A |
| 846669 | xxxxxx |  | xxxxxx C A |
| 846697 | xxxxxx |  | xxxxxx B A |
| 846698 | xxxxxx |  | xxxxxx B A |
| 846699 | xxxxxx |  | xxxxxx B A |
| 846702 | xxxxxx |  | xxxxxx B A |
| 846718 | xxxxxx |  | xxxxxx D A |
| 846730 | xxxxxx |  | xxxxxx D A |
| 846761 | xxxxxx |  | xxxxxx A |
| 846791 | xxxxxx |  | xxxxxx A |
| 846806 | xxxxxx |  | xxxxxx C A B |
| 846813 | xxxxxx |  | xxxxxx A |
| 846815 | xxxxxx |  | xxxxxx D A |
| 846837 | xxxxxx |  | xxxxxx A |
| 846880 | xxxxxx |  | xxxxxx A |
| 846909 | xxxxxx |  | xxxxxx D A |
| 846936 | xxxxxx |  | xxxxxx A |
| 847006 | xxxxxx |  | xxxxxx B A |
| 847033 | xxxxxx |  | xxxxxx A |
| 847054 | xxxxxx |  | xxxxxx A |
| 847103 | xxxxxx |  | xxxxxx A |
| 847157 | xxxxxx |  | xxxxxx A |
| 847161 | xxxxxx |  | xxxxxx D A |
| 847186 | xxxxxx |  | xxxxxx A |
| 847193 | xxxxxx |  | xxxxxx A |
| 847289 | xxxxxx |  | xxxxxx A |
| 847300 | xxxxxx |  | xxxxxx A |
| 847397 | xxxxxx |  | xxxxxx A |
| 847416 | xxxxxx |  | xxxxxx A |
| 847417 | xxxxxx |  | xxxxxx B A |
| 847419 | xxxxxx |  | xxxxxx B A |
| 847420 | xxxxxx |  | xxxxxx A |
| 847421 | xxxxxx |  | xxxxxx D A B |
| 847422 | xxxxxx |  | xxxxxx A |
| 847423 | xxxxxx |  | xxxxxx A |
| 847424 | xxxxxx |  | xxxxxx A |
| 847426 | xxxxxx |  | xxxxxx C A D B |
| 847427 | xxxxxx |  | xxxxxx B A |
| 847428 | xxxxxx |  | xxxxxx B A |
| 847429 | xxxxxx |  | xxxxxx C A B |
| 847430 | xxxxxx |  | xxxxxx D A B |
| 847431 | xxxxxx |  | xxxxxx B A |
| 847432 | xxxxxx |  | xxxxxx C A B |
| 847433 | xxxxxx |  | xxxxxx B A |
| 847495 | xxxxxx |  | xxxxxx A |
| 847498 | xxxxxx |  | xxxxxx D C A |
| 847499 | xxxxxx |  | xxxxxx A |
| 847500 | xxxxxx |  | xxxxxx C A |
| 847513 | xxxxxx |  | xxxxxx A |
| 847542 | xxxxxx |  | xxxxxx B A |
| 847558 | xxxxxx |  | xxxxxx A |
| 847598 | xxxxxx |  | xxxxxx D A |
| 847609 | xxxxxx |  | xxxxxx A |
| 847611 | xxxxxx |  | xxxxxx A |
| 847612 | xxxxxx |  | xxxxxx A |
| 847647 | xxxxxx |  | xxxxxx A |
| 847653 | xxxxxx |  | xxxxxx A |
| 847703 | xxxxxx |  | xxxxxx D A |
| 847704 | xxxxxx |  | xxxxxx C A B |
| 847723 | xxxxxx |  | xxxxxx A |
| 847743 | xxxxxx |  | xxxxxx D NA |
| 847841 | xxxxxx |  | xxxxxx A |
| 847898 | xxxxxx |  | xxxxxx D A |
| 847905 | xxxxxx |  | xxxxxx A |
| 847917 | xxxxxx |  | xxxxxx A |
| 847923 | xxxxxx |  | xxxxxx C A |
| 847930 | xxxxxx |  | xxxxxx A |
| 847943 | xxxxxx |  | xxxxxx A |
| 847960 | xxxxxx |  | xxxxxx A |
| 847964 | xxxxxx |  | xxxxxx D A |
| 848006 | xxxxxx |  | xxxxxx A |
| 848008 | xxxxxx |  | xxxxxx A |
| 848009 | xxxxxx |  | xxxxxx A |
| 848023 | xxxxxx |  | xxxxxx D A |
| 848048 | xxxxxx |  | xxxxxx A |
| 848053 | xxxxxx |  | xxxxxx A D |
| 848129 | xxxxxx |  | xxxxxx A |
| 848142 | xxxxxx |  | xxxxxx A |
| 848153 | xxxxxx |  | xxxxxx A |
| 848170 | xxxxxx |  | xxxxxx D A |
| 848197 | xxxxxx |  | xxxxxx A |
| 848218 | xxxxxx |  | xxxxxx B A |
| 848221 | xxxxxx |  | xxxxxx A |
| 848240 | xxxxxx |  | xxxxxx A |
| 848255 | xxxxxx |  | xxxxxx D A B |
| 848318 | xxxxxx |  | xxxxxx D A B |
| 848325 | xxxxxx |  | xxxxxx B A |
| 848394 | xxxxxx |  | xxxxxx B A |
| 848404 | xxxxxx |  | xxxxxx A |
| 848408 | xxxxxx |  | xxxxxx A |
| 848430 | xxxxxx |  | xxxxxx A |
| 848461 | xxxxxx |  | xxxxxx A |
| 848487 | xxxxxx |  | xxxxxx A |
| 848515 | xxxxxx |  | xxxxxx A |
| 848518 | xxxxxx |  | xxxxxx D A |
| 848537 | xxxxxx |  | xxxxxx A |
| 848544 | xxxxxx |  | xxxxxx A |
| 848558 | xxxxxx |  | xxxxxx C A B |
| 848559 | xxxxxx |  | xxxxxx B A |
| 848561 | xxxxxx |  | xxxxxx C A B |
| 848562 | xxxxxx |  | xxxxxx D A B |
| 848563 | xxxxxx |  | xxxxxx B A |
| 848565 | xxxxxx |  | xxxxxx D A B |
| 848566 | xxxxxx |  | xxxxxx A |
| 848567 | xxxxxx |  | xxxxxx B A |
| 848571 | xxxxxx |  | xxxxxx A |
| 848722 | xxxxxx |  | xxxxxx A |
| 848728 | xxxxxx |  | xxxxxx B D A |
| 848733 | xxxxxx |  | xxxxxx A |
| 848775 | xxxxxx |  | xxxxxx D A |
| 848790 | xxxxxx |  | xxxxxx D A |
| 848801 | xxxxxx |  | xxxxxx C A |
| 848823 | xxxxxx |  | xxxxxx A |
| 848888 | xxxxxx |  | xxxxxx A |
| 848946 | xxxxxx |  | xxxxxx D A B |
| 848972 | xxxxxx |  | xxxxxx C A |
| 848979 | xxxxxx |  | xxxxxx A |
| 848982 | xxxxxx |  | xxxxxx A |
| 849026 | xxxxxx |  | xxxxxx A D |
| 849073 | xxxxxx |  | xxxxxx A |
| 849094 | xxxxxx |  | xxxxxx C A |
| 849129 | xxxxxx |  | xxxxxx C A |
| 849187 | xxxxxx |  | xxxxxx C A |
| 849211 | xxxxxx |  | xxxxxx C A |
| 849248 | xxxxxx |  | xxxxxx A C |
| 849264 | xxxxxx |  | xxxxxx A |
| 849293 | xxxxxx |  | xxxxxx A D |
| 849336 | xxxxxx |  | xxxxxx A |
| 849349 | xxxxxx |  | xxxxxx D A B |
| 849371 | xxxxxx |  | xxxxxx B NA |
| 849394 | xxxxxx |  | xxxxxx B A |
| 849396 | xxxxxx |  | xxxxxx A |
| 849419 | xxxxxx |  | xxxxxx C A |
| 849461 | xxxxxx |  | xxxxxx A |
| 849552 | xxxxxx |  | xxxxxx D A |
| 849580 | xxxxxx |  | xxxxxx A |
| 849595 | xxxxxx |  | xxxxxx B A |
| 849619 | xxxxxx |  | xxxxxx A D |
| 849712 | xxxxxx |  | xxxxxx D A |
| 849727 | xxxxxx |  | xxxxxx C A |
| 849796 | xxxxxx |  | xxxxxx A |
| 849812 | xxxxxx |  | xxxxxx D A B |
| 849939 | xxxxxx |  | xxxxxx A C |
| 850040 | xxxxxx |  | xxxxxx A |
| 850044 | xxxxxx |  | xxxxxx A |
| 850057 | xxxxxx |  | xxxxxx B A |
| 850062 | xxxxxx |  | xxxxxx B C A |
| 850115 | xxxxxx |  | xxxxxx A |
| 850125 | xxxxxx |  | xxxxxx A |
| 850144 | xxxxxx |  | xxxxxx B A |
| 850152 | xxxxxx |  | xxxxxx B A |
| 850160 | xxxxxx |  | xxxxxx A |
| 850209 | xxxxxx |  | xxxxxx B NA D |
| 850238 | xxxxxx |  | xxxxxx A |
| 850256 | xxxxxx |  | xxxxxx B A |
| 850262 | xxxxxx |  | xxxxxx A |
| 850267 | xxxxxx |  | xxxxxx A |
| 850353 | xxxxxx |  | xxxxxx D A B |
| 850410 | xxxxxx |  | xxxxxx A |
| 850426 | xxxxxx |  | xxxxxx D A |
| 850465 | xxxxxx |  | xxxxxx B A |
| 850475 | xxxxxx |  | xxxxxx D A |
| 850496 | xxxxxx |  | xxxxxx A |
| 850503 | xxxxxx |  | xxxxxx D C A |
| 850512 | xxxxxx |  | xxxxxx A |
| 850536 | xxxxxx |  | xxxxxx A |
| 850574 | xxxxxx |  | xxxxxx A |
| 850577 | xxxxxx |  | xxxxxx A NA |
| 850595 | xxxxxx |  | xxxxxx A D |
| 850670 | xxxxxx |  | xxxxxx A NA C |
| 850673 | xxxxxx |  | xxxxxx B A |
| 850674 | xxxxxx |  | xxxxxx A |
| 850721 | xxxxxx |  | xxxxxx A |
| 850773 | xxxxxx |  | xxxxxx A |
| 850785 | xxxxxx |  | xxxxxx B A |
| 850809 | xxxxxx |  | xxxxxx A |
| 850838 | xxxxxx |  | xxxxxx A NA |
| 850860 | xxxxxx |  | xxxxxx D A |
| 850869 | xxxxxx |  | xxxxxx D A |
| 850871 | xxxxxx |  | xxxxxx A |
| 850873 | xxxxxx |  | xxxxxx A |
| 850899 | xxxxxx |  | xxxxxx A |
| 850967 | xxxxxx |  | xxxxxx A |
| 850973 | xxxxxx |  | xxxxxx D A |
| 850990 | xxxxxx |  | xxxxxx D A |
| 850992 | xxxxxx |  | xxxxxx A |
| 851007 | xxxxxx |  | xxxxxx A C |
| 851011 | xxxxxx |  | xxxxxx A |
| 851062 | xxxxxx |  | xxxxxx C A |
| 851064 | xxxxxx |  | xxxxxx A |
| 851068 | xxxxxx |  | xxxxxx D A C B |
| 851086 | xxxxxx |  | xxxxxx A D |
| 851107 | xxxxxx |  | xxxxxx A |
| 851415 | xxxxxx |  | xxxxxx D C A |
| 851480 | xxxxxx |  | xxxxxx A |
| 851485 | xxxxxx |  | xxxxxx A |
| 851496 | xxxxxx |  | xxxxxx C A |
| 851510 | xxxxxx |  | xxxxxx A |
| 851513 | xxxxxx |  | xxxxxx A |
| 851533 | xxxxxx |  | xxxxxx A |
| 851605 | xxxxxx |  | xxxxxx C A |
| 851609 | xxxxxx |  | xxxxxx C A |
| 851610 | xxxxxx |  | xxxxxx A D |
| 851631 | xxxxxx |  | xxxxxx A |
| 851632 | xxxxxx |  | xxxxxx D A |
| 851633 | xxxxxx |  | xxxxxx A NA |
| 851653 | xxxxxx |  | xxxxxx C A |
| 851678 | xxxxxx |  | xxxxxx A |
| 851705 | xxxxxx |  | xxxxxx A |
| 851707 | xxxxxx |  | xxxxxx A C |
| 851733 | xxxxxx |  | xxxxxx D A |
| 851786 | xxxxxx |  | xxxxxx B A |
| 851852 | xxxxxx |  | xxxxxx A |
| 851854 | xxxxxx |  | xxxxxx A |
| 851857 | xxxxxx |  | xxxxxx D A |
| 851860 | xxxxxx |  | xxxxxx D A |
| 851888 | xxxxxx |  | xxxxxx A |
| 851941 | xxxxxx |  | xxxxxx A C |
| 852107 | xxxxxx |  | xxxxxx D A |
| 852108 | xxxxxx |  | xxxxxx D A |
| 852131 | xxxxxx |  | xxxxxx A |
| 852148 | xxxxxx |  | xxxxxx A NA |
| 852196 | xxxxxx |  | xxxxxx A |
| 852198 | xxxxxx |  | xxxxxx D A |
| 852253 | xxxxxx |  | xxxxxx A |
| 852258 | xxxxxx |  | xxxxxx A |
| 852265 | xxxxxx |  | xxxxxx A |
| 852285 | xxxxxx |  | xxxxxx D A |
| 852298 | xxxxxx |  | xxxxxx D A |
| 852299 | xxxxxx |  | xxxxxx D A |
| 852301 | xxxxxx |  | xxxxxx A |
| 852302 | xxxxxx |  | xxxxxx D A |
| 852313 | xxxxxx |  | xxxxxx A |
| 852316 | xxxxxx |  | xxxxxx A |
| 852351 | xxxxxx |  | xxxxxx D A |
| 852426 | xxxxxx |  | xxxxxx A NA |
| 852440 | xxxxxx |  | xxxxxx D A |
| 852504 | xxxxxx |  | xxxxxx A |
| 852508 | xxxxxx |  | xxxxxx A |
| 852512 | xxxxxx |  | xxxxxx A |
| 852514 | xxxxxx |  | xxxxxx D A |
| 852528 | xxxxxx |  | xxxxxx A |
| 852612 | xxxxxx |  | xxxxxx A NA |
| 852621 | xxxxxx |  | xxxxxx A C |
| 852622 | xxxxxx |  | xxxxxx B A |
| 852624 | xxxxxx |  | xxxxxx B A |
| 852625 | xxxxxx |  | xxxxxx A |
| 852626 | xxxxxx |  | xxxxxx C A B |
| 852627 | xxxxxx |  | xxxxxx D A B |
| 852628 | xxxxxx |  | xxxxxx B A |
| 852630 | xxxxxx |  | xxxxxx B A |
| 852631 | xxxxxx |  | xxxxxx B A |
| 852632 | xxxxxx |  | xxxxxx B A |
| 852633 | xxxxxx |  | xxxxxx D B A |
| 852634 | xxxxxx |  | xxxxxx B A |
| 852637 | xxxxxx |  | xxxxxx C A B |
| 852638 | xxxxxx |  | xxxxxx D A B |
| 852639 | xxxxxx |  | xxxxxx C A B |
| 852641 | xxxxxx |  | xxxxxx B A |
| 852663 | xxxxxx |  | xxxxxx D A |
| 852667 | xxxxxx |  | xxxxxx C A |
| 852760 | xxxxxx |  | xxxxxx A NA |
| 852769 | xxxxxx |  | xxxxxx D A |
| 852781 | xxxxxx |  | xxxxxx A |
| 852889 | xxxxxx |  | xxxxxx A |
| 852987 | xxxxxx |  | xxxxxx D A |
| 852988 | xxxxxx |  | xxxxxx A D |
| 852997 | xxxxxx |  | xxxxxx B A |
| 852999 | xxxxxx |  | xxxxxx B A |
| 853000 | xxxxxx |  | xxxxxx A |
| 853004 | xxxxxx |  | xxxxxx D C A |
| 853005 | xxxxxx |  | xxxxxx B A |
| 853007 | xxxxxx |  | xxxxxx A |
| 853008 | xxxxxx |  | xxxxxx B A |
| 853010 | xxxxxx |  | xxxxxx A |
| 853012 | xxxxxx |  | xxxxxx C A B |
| 853015 | xxxxxx |  | xxxxxx D A |
| 853016 | xxxxxx |  | xxxxxx A |
| 853018 | xxxxxx |  | xxxxxx A |
| 853019 | xxxxxx |  | xxxxxx A |
| 853021 | xxxxxx |  | xxxxxx A |
| 853022 | xxxxxx |  | xxxxxx A |
| 853023 | xxxxxx |  | xxxxxx D A |
| 853025 | xxxxxx |  | xxxxxx D A |
| 853026 | xxxxxx |  | xxxxxx C A B |
| 853028 | xxxxxx |  | xxxxxx D A B |
| 853029 | xxxxxx |  | xxxxxx B A |
| 853031 | xxxxxx |  | xxxxxx B A |
| 853032 | xxxxxx |  | xxxxxx A |
| 853033 | xxxxxx |  | xxxxxx A |
| 853034 | xxxxxx |  | xxxxxx D A B |
| 853035 | xxxxxx |  | xxxxxx A C |
| 853038 | xxxxxx |  | xxxxxx A |
| 853040 | xxxxxx |  | xxxxxx A C |
| 853041 | xxxxxx |  | xxxxxx A |
| 853042 | xxxxxx |  | xxxxxx D A |
| 853043 | xxxxxx |  | xxxxxx A |
| 853044 | xxxxxx |  | xxxxxx A |
| 853045 | xxxxxx |  | xxxxxx D A |
| 853046 | xxxxxx |  | xxxxxx A |
| 853047 | xxxxxx |  | xxxxxx A D |
| 853049 | xxxxxx |  | xxxxxx A |
| 853050 | xxxxxx |  | xxxxxx D C A |
| 853051 | xxxxxx |  | xxxxxx A |
| 853053 | xxxxxx |  | xxxxxx B C A |
| 853054 | xxxxxx |  | xxxxxx A |
| 853055 | xxxxxx |  | xxxxxx A |
| 853056 | xxxxxx |  | xxxxxx A |
| 853058 | xxxxxx |  | xxxxxx D C A |
| 853061 | xxxxxx |  | xxxxxx A |
| 853062 | xxxxxx |  | xxxxxx A |
| 853065 | xxxxxx |  | xxxxxx A |
| 853066 | xxxxxx |  | xxxxxx A |
| 853067 | xxxxxx |  | xxxxxx A |
| 853070 | xxxxxx |  | xxxxxx D A |
| 853075 | xxxxxx |  | xxxxxx C A |
| 853076 | xxxxxx |  | xxxxxx A |
| 853078 | xxxxxx |  | xxxxxx D A |
| 853079 | xxxxxx |  | xxxxxx A |
| 853080 | xxxxxx |  | xxxxxx D A |
| 853081 | xxxxxx |  | xxxxxx B A |
| 853082 | xxxxxx |  | xxxxxx A |
| 853083 | xxxxxx |  | xxxxxx A |
| 853084 | xxxxxx |  | xxxxxx D A |
| 853085 | xxxxxx |  | xxxxxx C A B |
| 853086 | xxxxxx |  | xxxxxx B A C |
| 853087 | xxxxxx |  | xxxxxx D A |
| 853088 | xxxxxx |  | xxxxxx D A |
| 853089 | xxxxxx |  | xxxxxx A |
| 853091 | xxxxxx |  | xxxxxx D A |
| 853136 | xxxxxx |  | xxxxxx A NA |
| 853315 | xxxxxx |  | xxxxxx A |
| 853495 | xxxxxx |  | xxxxxx A |
| 853520 | xxxxxx |  | xxxxxx D A |
| 853533 | xxxxxx |  | xxxxxx D A |
| 853848 | xxxxxx |  | xxxxxx D A |
| 853936 | xxxxxx |  | xxxxxx B A |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**CANOPY DATA COMPARE**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 841099 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.32 | 40 |
| 842782 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.46 | 45.416 |
| 843427 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 843651 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 843751 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843994 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.57 | 46.158 |
| 844062 | xxxxxx |  | Number of Units | 7 | 1 |
| 844125 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844150 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 844150 | xxxxxx |  | Property Type | Mixed Use | Single Family Detached |
| 844150 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 844317 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844317 | xxxxxx |  | Qualifying CLTV | 46.51 | 50 |
| 844317 | xxxxxx |  | Qualifying LTV | 46.51 | 50 |
| 844533 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844533 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844684 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 844749 | xxxxxx |  | Occupancy | Investment | Primary Residence |
| 844835 | xxxxxx |  | Interest Rate | 7.125 | 7.25 |
| 844849 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844849 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844849 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 844856 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844856 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 845153 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 845219 | xxxxxx |  | Margin | 6.5 | 2 |
| 845219 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845405 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845532 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 845599 | xxxxxx |  | Property Type | PUD | Detached |
| 845727 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 845727 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 845763 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 845763 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845822 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846010 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846112 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846149 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846188 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846234 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 846239 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 846253 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 846316 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846316 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846316 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846375 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 846383 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846398 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846465 | xxxxxx |  | Amortization Term | 360 | 240 |
| 846465 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846465 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 846541 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846541 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846543 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846543 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846543 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846545 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846545 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846545 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846546 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846546 | xxxxxx |  | Property Type | PUD | Two to Four Unit |
| 846548 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846548 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846548 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846549 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846549 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846549 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846575 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846576 | xxxxxx |  | Loan Purpose | Construction-Perm | Refinance |
| 846577 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846577 | xxxxxx |  | Occupancy | Second Home | Primary Residence |
| 846584 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846586 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846590 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846591 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846594 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846596 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846597 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846600 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846601 | xxxxxx |  | Loan Purpose | Construction-Perm | Refinance |
| 846606 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846607 | xxxxxx |  | Occupancy | Second Home | Primary Residence |
| 846609 | xxxxxx |  | Occupancy | Second Home | Primary Residence |
| 846611 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846621 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846622 | xxxxxx |  | Loan Purpose | Refinance | Purchase |
| 846624 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846625 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846626 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846628 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 846632 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 846669 | xxxxxx |  | Qualifying FICO | 809 | 709 |
| 846697 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 846698 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 846699 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 846699 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 846699 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 846702 | xxxxxx |  | Borrower 1 Self-Employment Flag | Yes | No |
| 846702 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 846718 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846718 | xxxxxx |  | Qualifying CLTV | 55.25 | 58.82353 |
| 846718 | xxxxxx |  | Qualifying LTV | 55.25 | 58.82353 |
| 846813 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847006 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847006 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847033 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847033 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 847103 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 847161 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847193 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847397 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 847397 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 847416 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847417 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847419 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847419 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 847420 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847421 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 847422 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 847422 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 847423 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 847424 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 847424 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 847426 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 847426 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847427 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847428 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847429 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847430 | xxxxxx |  | Calculated DSCR | 1.297 | 1.68 |
| 847430 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847431 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847432 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847433 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847495 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847495 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847498 | xxxxxx |  | Margin | 6.5 | 2 |
| 847498 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 847542 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847542 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847598 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847647 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847703 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 847743 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 847898 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 847898 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 847898 | xxxxxx |  | Qualifying FICO | 778 | 798 |
| 847905 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847930 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847960 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 847960 | xxxxxx |  | Property Type | Condominium | Condotel |
| 848006 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 848006 | xxxxxx |  | Margin | 6.5 | 2 |
| 848006 | xxxxxx |  | Qualifying FICO | 778 | 798 |
| 848008 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 848008 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 848008 | xxxxxx |  | Qualifying FICO | 778 | 798 |
| 848008 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 848009 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 848009 | xxxxxx |  | Qualifying FICO | 778 | 798 |
| 848048 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848053 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848129 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848197 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848255 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 848255 | xxxxxx |  | Number of Units | 3 | 1 |
| 848255 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 848255 | xxxxxx |  | Qualifying FICO | 788 | 759 |
| 848318 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 848318 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 1 | 0 |
| 848318 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Single Family Attached |
| 848318 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 848394 | xxxxxx |  | Interest Rate | 7.625 | 7.725 |
| 848404 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 848408 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848408 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.92 | 41 |
| 848461 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 848487 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 848537 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848558 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Units |
| 848561 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 848565 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Units |
| 848567 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Units |
| 848571 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848571 | xxxxxx |  | Qualifying CLTV | 35.07 | 40.8 |
| 848571 | xxxxxx |  | Qualifying LTV | 35.07 | 40.8 |
| 848722 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848733 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848972 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 848979 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848979 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848982 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849094 | xxxxxx |  | Margin | 6.5 | 2 |
| 849094 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 849264 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849293 | xxxxxx |  | Property State | xxxxxx | xxxxxx |
| 849293 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849336 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849349 | xxxxxx |  | Qualifying Total Debt Income Ratio | 15.61 | 20 |
| 849371 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849371 | xxxxxx |  | Qualifying CLTV | 75.0 | 69.16758 |
| 849394 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849461 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.08 | 47.102 |
| 849552 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849580 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849580 | xxxxxx |  | Sales Price | 0 | xxxxxx |
| 849619 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849619 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849712 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849712 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 849727 | xxxxxx |  | Qualifying Total Debt Income Ratio | 32.68 | 27.9 |
| 849796 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 12 |
| 849796 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849796 | xxxxxx |  | Qualifying Total Debt Income Ratio | 17.12 | 43 |
| 849812 | xxxxxx |  | Calculated DSCR | 0.727 | 0.6389 |
| 850040 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850040 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.63 | 1 |
| 850057 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850062 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.22 | 21.488 |
| 850144 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 850152 | xxxxxx |  | Calculated DSCR | 0.707 | 0.66 |
| 850152 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 850160 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850209 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850209 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850209 | xxxxxx |  | Qualifying CLTV | 67.07 | 70 |
| 850209 | xxxxxx |  | Qualifying FICO | 696 | 688 |
| 850262 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850262 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850267 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850267 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850267 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 850426 | xxxxxx |  | Loan Purpose | Purchase | Refinance |
| 850426 | xxxxxx |  | Refinance Type | NA | No Cash Out - Borrower Initiated |
| 850465 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850475 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 850496 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850496 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 850496 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 850536 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 850721 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850721 | xxxxxx |  | Qualifying CLTV | 71.43 | 75 |
| 850721 | xxxxxx |  | Qualifying LTV | 71.43 | 75 |
| 850773 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850773 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850809 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850809 | xxxxxx |  | Qualifying CLTV | 46.14 | 41.32231 |
| 850809 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 850809 | xxxxxx |  | Qualifying LTV | 46.14 | 41.32231 |
| 850809 | xxxxxx |  | Qualifying Total Debt Income Ratio | 31.34 | 37.848 |
| 850871 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.06 | 42.15 |
| 850967 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850967 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.62 | 19.32 |
| 850973 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 850973 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.6 | 47.489 |
| 850990 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851007 | xxxxxx |  | Qualifying Total Debt Income Ratio | 5.91 | 11.241 |
| 851011 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851011 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851064 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 851068 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 851068 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.15 | 32.732 |
| 851086 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 851086 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851107 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.72 | 31.88 |
| 851480 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 851480 | xxxxxx |  | Qualifying Total Debt Income Ratio | 54.27 | 40.525 |
| 851496 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.15 | 20.57 |
| 851510 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.33 | 25.53 |
| 851513 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 851533 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851609 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.02 | 40.616 |
| 851632 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 851633 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 851653 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851653 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.82 | 31.351 |
| 851705 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851705 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851705 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 851705 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 851707 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 851707 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851707 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.87 | 42.294 |
| 851786 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 851786 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851786 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 851786 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.36 | 42.507 |
| 851857 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851860 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 851860 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25 | 47 |
| 852107 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 852108 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.95 | 44.42 |
| 852148 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852148 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.19 | 41.035 |
| 852196 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852196 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852258 | xxxxxx |  | Qualifying FICO | 755 | 724 |
| 852299 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 852299 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852299 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852302 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852302 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852426 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852426 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.55 | 24.642 |
| 852440 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852440 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.7 | 27.93 |
| 852504 | xxxxxx |  | Amortization Term | 360 | 240 |
| 852504 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 852508 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.75 | 32.2 |
| 852528 | xxxxxx |  | Qualifying Total Debt Income Ratio | 28.83 | 33 |
| 852625 | xxxxxx |  | Borrower 1 Self-Employment Flag | Yes | No |
| 852631 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.25 | 17.089 |
| 852638 | xxxxxx |  | Verified Doc Type | 12 Month Bank Statement | 24 Mo. Business Bank Statements |
| 852663 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 852663 | xxxxxx |  | Qualifying Total Debt Income Ratio | 8.44 | 15.204 |
| 852667 | xxxxxx |  | Qualifying Total Debt Income Ratio | 32.03 | 35 |
| 852760 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 852760 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852769 | xxxxxx |  | Qualifying FICO | 788 | 804 |
| 852889 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.1 | 44.807 |
| 853000 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853495 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.31 | 32 |
| 853520 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853533 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853936 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853936 | xxxxxx |  | Qualifying CLTV | 70.0 | 74.38 |
| 853936 | xxxxxx |  | Qualifying LTV | 70.0 | 74.38 |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**CANOPY ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 848559 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848566 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 843651 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 845894 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844749 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.403 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36045.59 | N/A | Employed |  | No |  | Yes | N/A |
| 844720 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12986.79 | N/A | Employed | Employed | No | No | No |  |
| 848563 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844666 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850144 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846697 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848562 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850410 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 27552.08 | 10.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7662.47 | Yes | Employed | Employed | No | No | No |  |
| 846698 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846699 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847428 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847429 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847430 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847431 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847432 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847433 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848567 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844574 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844150 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844945 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846253 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844849 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 846375 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846730 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 846497 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848561 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845405 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844125 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846239 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846332 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846149 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844856 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845824 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845822 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 845219 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 845861 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844835 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 844384 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845153 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 845599 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845598 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844131 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847426 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847427 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847421 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847420 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847417 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847422 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847423 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847424 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843870 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846629 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 8.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 33501.01 | N/A | Employed | Not Employed | No | No | No |  |
| 846628 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3541.25 | 7.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5512.69 | N/A | Employed | Employed | No | No | No |  |
| 846627 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 42514.26 | N/A | Employed |  | No |  | No |  |
| 846626 |  | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5243 | 7.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12871.54 | N/A | Employed | Employed | No | No | No |  |
| 846625 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4611.25 | 6.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9412.83 | N/A | Employed | Employed | No | No | No |  |
| 846624 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6367.5 | 6.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9891.34 | N/A | Employed | Employed | No | No | No |  |
| 846623 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | No | No | No | No | No | No | No | No | No | No | 695 | 5.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14030.9 | N/A | Employed |  | No |  | No |  |
| 846622 |  | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | Yes | No | No | No | 9614 | 8.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11232.54 | N/A | Employed | Employed | No | No | No |  |
| 846618 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20992.53 | N/A | Employed |  | No |  | No |  |
| 846617 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16180.17 | N/A | Employed |  | No |  | No |  |
| 846576 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5668.5 | 5.838 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5253.17 | N/A | Employed | Employed | No | No | No |  |
| 846575 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6220 | 5.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5154.31 | N/A | Employed |  | No |  | No |  |
| 846616 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7031.87 | N/A | Employed | Employed | No | No | No |  |
| 846615 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9581.5 | 6.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7389.86 | N/A | Employed |  | No |  | No |  |
| 846614 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 5.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9094.23 | N/A | Employed | Not Employed | No | No | No |  |
| 846613 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | No | No | No | No | No | No | No | No | No | No | 10498.42 | 3.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8545.95 | N/A | Employed | Not Employed | No | No | No |  |
| 846612 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12757.48 | N/A | Employed |  | No |  | No |  |
| 846610 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11759.32 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 846609 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1195 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19642.03 | N/A | Employed | Employed | No | No | No |  |
| 846608 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21128.78 | N/A | Employed | Employed | No | No | No |  |
| 846607 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2955 | 7.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 52569.01 | N/A | Employed |  | No |  | No |  |
| 846606 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6240 | 5.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12205.59 | N/A | Employed | Employed | No | No | No |  |
| 846605 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Yes | No | No | No | No | No | No | No | No | No | No | 1195 | 5.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 23960.43 | N/A | Employed |  | No |  | No |  |
| 846604 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 995 | 4.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 18021.44 | N/A | Employed | Employed | No | No | No |  |
| 846603 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 995 | 4.092 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 29371.1 | N/A | Employed | Not Employed | No | No | No |  |
| 846602 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 995 | 3.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10230.47 | Yes | Employed | Employed | No | No | No |  |
| 846601 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10320 | 6.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32417.33 | N/A | Employed | Retired | No | No | No |  |
| 846600 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12850 | 8.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19824.63 | N/A | Employed | Not Employed | No | No | No |  |
| 846598 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5135.45 | N/A | Employed |  | No |  | No |  |
| 846597 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3983.5 | 6.313 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6926.11 | N/A | Employed | Employed | No | No | No |  |
| 846596 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3330 | 6.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4627.53 | N/A | Employed | Not Employed | No | No | No |  |
| 846592 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 5.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8262.82 | N/A | Employed | Not Employed | No | No | No |  |
| 846591 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16864 | 8.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22458.76 | N/A | Employed | Employed | No | No | No |  |
| 846590 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12145 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13725.36 | N/A | Employed | Employed | No | No | No |  |
| 846589 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.659 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 49077.29 | N/A | Employed |  | No |  | No |  |
| 846588 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4515.66 | N/A | Not Employed |  | No |  | No |  |
| 846587 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22428.16 | N/A | Employed | Employed | No | No | No |  |
| 846586 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | No | No | No | No | No | No | No | No | No | No | 9320 | 4.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22583.08 | N/A | Employed | Not Employed | No | No | No |  |
| 846585 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4383 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26200.42 | N/A | Employed | Employed | No | No | No |  |
| 846584 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3070 | 6.262 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7045.46 | N/A | Employed | Employed | No | No | No |  |
| 846582 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22393.7 | N/A | Not Employed |  | No |  | No |  |
| 846580 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3932.5 | 5.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11157.79 | N/A | Retired | Not Employed | No | No | No |  |
| 846578 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4695 | 5.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5982.04 | N/A | Retired | Retired | No | No | No |  |
| 846577 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12320 | 5.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 73298.55 | N/A | Employed | Not Employed | No | No | No |  |
| 846621 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4806 | 5.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13906.29 | N/A | Employed | Employed | No | No | No |  |
| 846611 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4365 | 6.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16560.8 | N/A | Employed |  | No |  | No |  |
| 846595 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34386.53 | N/A | Employed |  | No |  | No |  |
| 846594 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22209 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32114.38 | N/A | Employed | Not Employed | No | No | No |  |
| 846581 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21440.91 | N/A | Employed | Not Employed | No | No | No |  |
| 846718 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2366 |  |  |  | No |  | Yes | Present |
| 845727 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845713 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846837 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 846309 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 846112 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 844317 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846806 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -950 |  |  |  | No |  | Yes | Present |
| 846319 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846632 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848558 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848565 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848318 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847416 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847419 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847186 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846188 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845763 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846541 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847054 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841956 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847157 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846815 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846234 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846316 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 845542 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847033 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846909 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845764 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847513 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847498 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847161 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844533 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 844224 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846791 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846880 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847103 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844684 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850152 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842955 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848515 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847612 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847558 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19725.77 | N/A | Employed |  | No |  | Yes | Present |
| 847193 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846543 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846936 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846454 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848487 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848394 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845774 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847917 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844842 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848221 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 847930 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847499 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847397 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847300 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 848728 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846761 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846549 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846383 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 845987 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847611 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847923 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847500 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845532 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844062 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843751 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845140 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 846548 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846546 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848430 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847703 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 846531 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842840 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849094 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 846398 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849129 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853016 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 44046.6 | 7.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17689.53 | N/A | Employed |  | No |  | No |  |
| 848218 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848009 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848008 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848006 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847704 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845749 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18753.38 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18748.89 | N/A | Employed |  | No |  | No |  |
| 847289 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846172 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837678 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847960 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847841 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846545 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848888 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849812 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848790 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847898 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853087 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 55651.07 | N/A | Employed |  | No |  | Yes | Present |
| 847743 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34907.39 | N/A | Employed |  | No |  | Yes | Present |
| 848325 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848823 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847723 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849026 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848544 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848197 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848142 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848129 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847542 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847006 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848979 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848255 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 844612 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 4532.3 | 8.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13237.8 | Yes | Employed |  | No |  | No |  |
| 848170 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16295 | 7.59 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11528.65 | Yes | Employed | Not Employed | No | No | No |  |
| 847943 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846669 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853081 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 162784.96 | N/A | Employed |  | No |  | Yes | Present |
| 846465 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848722 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848240 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848153 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 848537 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 847905 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852637 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 14824 | 8.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45343.71 | N/A | Employed |  | No |  | No |  |
| 853031 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8746.96 | 6.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6226.09 | Yes | Employed |  | No |  | No |  |
| 850353 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13560 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8702.85 | Yes | Employed |  | No |  | No |  |
| 853046 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6195 | 6.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11871.72 | N/A | Employed | Employed | No | No | No |  |
| 847609 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848733 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 849580 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848053 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848775 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848972 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 847495 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853022 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 15095 | 8.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8125.85 | N/A | Employed |  | No |  | No |  |
| 849394 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847653 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852627 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11720 | 8.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13597.16 | N/A | Employed |  | No |  | No |  |
| 852641 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 10709.07 | 7.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2322.9 | Yes | Employed |  | No |  | No |  |
| 850262 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843994 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16354.09 | N/A | Employed |  | No |  | Yes | Present |
| 853047 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16200 | 6.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21949.13 | N/A | Employed |  | No |  | No |  |
| 853084 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32674.92 | N/A | Employed |  | No |  | Yes | Present |
| 849595 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849211 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4932.2 | 7.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5301.26 | N/A | Employed | Not Employed | No | No | No |  |
| 849248 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4422.52 | N/A | Not Employed | Retired | No | No | Yes | Present |
| 849336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852628 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18620 | 7.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23788.57 | N/A | Employed |  | No |  | No |  |
| 850238 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850256 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853080 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 150801.83 | N/A | Employed |  | No |  | Yes | Present |
| 853066 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 15851.88 | 9.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47924.72 | Yes | Employed |  | No |  | No |  |
| 844898 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6512.5 | 8.112 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8135.08 | N/A | Employed | Not Employed | No | No | No |  |
| 849419 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 16575 | 7.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 58399.56 | N/A | Employed |  | No |  | No |  |
| 853070 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4655 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24395.07 | Yes | Employed |  | No |  | No |  |
| 841099 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18664.92 | 7.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16435.87 | Yes | Employed |  | No |  | No |  |
| 853050 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5995 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11635.95 | N/A | Employed | Employed | No | No | No |  |
| 853082 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 6095 | 8.763 | N/A | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10900.22 | N/A | Employed |  | No |  | No |  |
| 848518 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1845 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7505.59 | Yes | Employed |  | No |  | No |  |
| 850115 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1243 |  |  |  | No |  | Yes | Present |
| 848801 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5734.24 | 8.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12886.61 | N/A | Employed |  | No |  | No |  |
| 850595 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 52427.2 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 852663 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 218418.43 | N/A | Employed |  | No |  | Yes | Present |
| 852632 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9479 | 7.354 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12780.65 | N/A | Employed |  | No |  | No |  |
| 849552 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 1495 | 8.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24719.97 | Yes | Employed | Not Employed | No | No | No |  |
| 849939 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 20196.5 | 8.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19521.82 | N/A | Employed |  | No |  | No |  |
| 849461 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29726.65 | N/A | Employed |  | No |  | Yes | Present |
| 850125 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849187 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5176.75 | 7.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4984.61 | N/A | Employed |  | No |  | No |  |
| 850574 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 10410 | 8.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31898.19 | N/A | Employed |  | No |  | No |  |
| 850992 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40339.88 | N/A | Employed | Employed | No | No | Yes | Present |
| 849293 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847647 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 45020 | 7.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12237.84 | N/A | Employed |  | No |  | No |  |
| 848946 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7090 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3783.66 | Yes | Employed |  | No |  | No |  |
| 850496 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -4046 |  |  |  | No | No | Yes | Present |
| 847964 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5814.75 | N/A | Employed |  | No |  | Yes | Present |
| 852631 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6990 | 7.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11118.95 | N/A | Employed |  | No |  | No |  |
| 852621 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 16023.75 | 8.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10636.52 | N/A | Employed |  | No |  | No |  |
| 852638 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11012.5 | 7.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12601.38 | N/A | Employed |  | No |  | No |  |
| 852630 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 20115 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50405.66 | Yes | Employed |  | No |  | No |  |
| 853041 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 11795 | 6.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24896.24 | N/A | Employed |  | No |  | No |  |
| 853049 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12150 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10416.54 | N/A | Employed |  | No |  | No |  |
| 852988 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 28101.25 | 8.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17426.04 | N/A | Employed |  | No |  | No |  |
| 853043 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13365 | 6.671 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16202.71 | Yes | Employed | Employed | No | No | No |  |
| 853028 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 4972 | 7.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4089.26 | N/A | Employed |  | No |  | No |  |
| 853079 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 15875 | 6.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16703.5 | Yes | Employed |  | No |  | No |  |
| 852999 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16295 | 6.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28636.41 | Yes | Employed | Not Employed | No | No | No |  |
| 853085 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 56795 | 8.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57619.9 | Yes | Employed | Employed | No | No | No |  |
| 847598 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 37481.25 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11373.85 | N/A | Employed |  | No |  | No |  |
| 849073 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 17668.41 | 8.739 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4298.54 | N/A | Employed |  | No |  | No |  |
| 853058 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12214.32 | 8.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29056.75 | Yes | Employed |  | No |  | No |  |
| 850871 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34592.53 | N/A | Employed |  | No |  | No |  |
| 850990 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 16344.89 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10425 | N/A | Employed |  | No |  | No |  |
| 849619 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851068 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 7.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17349.42 | Yes | Employed |  | No |  | No |  |
| 850809 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 6.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6719.39 | N/A | Not Employed |  | No |  | No |  |
| 849396 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12643.88 | 9.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9609.02 | N/A | Employed | Employed | No | No | No |  |
| 850674 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 36215 | 7.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 200917.19 | N/A | Employed |  | No |  | No |  |
| 850785 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11294.65 | 7.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14027.3 | Yes | Employed |  | No |  | No |  |
| 850670 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5583.7 | 10.045 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7191.01 | Yes | Employed |  | No |  | No |  |
| 851415 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 27240 | 7.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16043.93 | N/A | Employed | Not Employed | No | No | No |  |
| 852625 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 17244.5 | 7.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26760.1 | N/A | Employed |  | No |  | No |  |
| 852626 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 31850 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17091.85 | Yes | Employed |  | No |  | No |  |
| 852634 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 13401.25 | 10.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6717.28 | Yes | Employed |  | No |  | No |  |
| 852639 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 23910 | 8.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18765.98 | N/A | Employed |  | No |  | No |  |
| 850860 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 425 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12563.27 | Yes | Not Employed | Unknown | No | No | No |  |
| 851513 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4904.76 | 7.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6269.78 | Yes | Employed |  | No |  | No |  |
| 853018 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9795 | 6.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13962.91 | N/A | Employed |  | No |  | No |  |
| 853019 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 26912.5 | 8.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30346.88 | Yes | Employed | Not Employed | No | No | No |  |
| 853078 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9915.38 | 9.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 75411.54 | N/A | Employed |  | No |  | No |  |
| 852987 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 54369.19 | Yes | Employed | Employed | No | No | Yes | Present |
| 853044 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7040 | 6.579 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34503.52 | N/A | Employed |  | No |  | No |  |
| 853045 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18842.74 | N/A | Employed |  | No |  | Yes | Present |
| 853040 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6105 | 7.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2995.16 | N/A | Employed |  | No |  | No |  |
| 853051 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5695 | 7.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4800.63 | N/A | Employed |  | No |  | No |  |
| 853026 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 23650.63 | 7.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15351.65 | N/A | Employed |  | No |  | No |  |
| 852997 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 17502 | 8.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17043.32 | N/A | Employed | Employed | No | No | No |  |
| 853008 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 197190.42 | N/A | Employed |  | No |  | Yes | Present |
| 849264 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7320 | 7.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5148.73 | N/A | Employed |  | No |  | No |  |
| 848571 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10098 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5157.78 | Yes | Employed |  | No |  | No |  |
| 848404 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2220 | 7.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2531.59 | Yes | Employed |  | No |  | No |  |
| 852285 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7975 | 7.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32090.37 | Yes | Employed |  | No |  | No |  |
| 852198 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3374 | 7.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6186.35 | N/A | Employed | Not Employed | No | No | No |  |
| 851086 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21870 | 7.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12800.14 | Yes | Employed |  | No |  | No |  |
| 850873 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 93697.35 | N/A | Employed |  | No |  | Yes | Present |
| 852313 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7795 | 6.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7552.64 | N/A | Employed |  | No |  | No |  |
| 849727 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8299 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29821.77 | Yes | Employed | Employed | No | No | No |  |
| 850838 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5647.5 | 8.264 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7353.01 | N/A | Employed |  | No |  | No |  |
| 851632 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 7.354 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14450.42 | N/A | Employed |  | No |  | No |  |
| 850973 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5002.5 | 7.591 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9321.42 | Yes | Employed | Employed | No | No | No |  |
| 852624 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9115 | 7.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35042.14 | N/A | Employed |  | No |  | No |  |
| 852633 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8463.75 | 8.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13689.9 | N/A | Employed |  | No |  | No |  |
| 850503 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 8243.4 | 7.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2710.32 | N/A | Employed |  | No |  | No |  |
| 851854 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2495 | 8.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11755.9 | N/A | Employed |  | No |  | No |  |
| 853021 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9670 | 7.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5631.2 | N/A | Employed |  | No |  | No |  |
| 853088 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 69862.94 | N/A | Employed |  | No |  | Yes | Present |
| 853034 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9253.75 | 7.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4999.44 | N/A | Employed |  | No |  | No |  |
| 853086 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5695 | 7.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4659.5 | Yes | Employed |  | No |  | No |  |
| 853038 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 12339.63 | 8.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9739.7 | Yes | Employed |  | No |  | No |  |
| 853032 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10045 | 6.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11178.71 | N/A | Employed |  | No |  | No |  |
| 853055 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8595 | 6.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10808.98 | N/A | Employed |  | No |  | No |  |
| 853010 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 78808.3 | N/A | Employed |  | No |  | Yes | Present |
| 853004 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 57745 | 6.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 42652.21 | N/A | Employed |  | No |  | No |  |
| 853089 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 3410.35 | N/A | Employed |  | No |  | Yes | Present |
| 853015 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 18290 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10623.47 | N/A | Retired | Retired | No | No | No |  |
| 853076 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40603.65 | N/A | Employed |  | No |  | Yes | Present |
| 853061 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 13540 | 7.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9523.16 | N/A | Employed |  | No |  | No |  |
| 853033 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10045 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8769.9 | N/A | Employed |  | No |  | No |  |
| 853075 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4390 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5426.34 | N/A | Employed |  | No |  | No |  |
| 853029 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9395 | 6.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5753.41 | Yes | Employed |  | No |  | No |  |
| 853025 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18245 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 99191.74 | Yes | Employed |  | No |  | No |  |
| 853065 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 41794.98 | 6.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19107.16 | N/A | Employed |  | No |  | No |  |
| 849349 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15463.9 | 7.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40971.46 | Yes | Employed |  | No |  | No |  |
| 851609 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 26825.2 | 7.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13175.07 | Yes | Employed |  | No |  | No |  |
| 853042 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10595 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25863.68 | N/A | Employed |  | No |  | No |  |
| 853012 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 7686.15 | 7.807 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 26109.1 | N/A | Employed |  | No |  | No |  |
| 853062 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5295 | 6.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13343.33 | N/A | Employed |  | No |  | No |  |
| 853053 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11187.5 | 6.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16158.2 | Yes | Employed |  | No |  | No |  |
| 853056 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4795 | 6.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7150.49 | N/A | Employed |  | No |  | No |  |
| 853083 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4365.46 | Yes | Employed |  | No |  | No |  |
| 853023 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12313.8 | 6.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67933 | Yes | Employed |  | No |  | No |  |
| 853007 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 12195 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6717.36 | N/A | Employed |  | No |  | No |  |
| 853000 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 103386.75 | Yes | Employed |  | No |  | Yes | Present |
| 853067 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4795 | 7.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4285.89 | Yes | Employed |  | No |  | No |  |
| 853035 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 24763.75 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25039.86 | Yes | Employed |  | No |  | No |  |
| 853005 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 20795 | 6.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22440.94 | N/A | Employed | Employed | No | No | No |  |
| 853054 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11313.81 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14827.41 | Yes | Not Employed |  | No |  | No |  |
| 853091 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 144961.14 | N/A | Employed |  | No |  | Yes | Present |
| 852622 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14276.5 | 7.461 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20585.35 | N/A | Employed |  | No |  | No |  |
| 849796 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 357319.01 | N/A | Employed | Employed | No | No | Yes | Present |
| 851533 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1670.25 | 6.899 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12083.71 | N/A | Employed |  | No |  | No |  |
| 850209 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1245 | 8.954 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 57778.37 | N/A | Employed |  | No |  | No |  |
| 843427 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4801.25 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36349.56 | N/A | Employed |  | No |  | No |  |
| 848023 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 46896.07 | N/A | Employed |  | No |  | Yes | Present |
| 850536 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1350 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7426.01 | Yes | Employed |  | No |  | No |  |
| 851941 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7147.36 | 9.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44272.19 | Yes | Employed |  | No |  | No |  |
| 851733 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 26295 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15598.47 | N/A | Employed |  | No |  | No |  |
| 852196 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 12170.17 | N/A | Employed |  | No |  | Yes | Present |
| 846408 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9565.88 | 7.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12708.28 | N/A | Employed | Employed | No | No | No |  |
| 851888 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 22439 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19582.93 | Yes | Retired |  | No |  | No |  |
| 850512 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 11570 | 7.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16059.51 | Yes | Employed |  | No |  | No |  |
| 850869 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10730 | 7.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17588.5 | N/A | Employed |  | No |  | No |  |
| 852265 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 6058 | 7.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6819.29 | Yes | Employed |  | No |  | No |  |
| 850267 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1853.25 | 7.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8767.61 | Yes | Employed |  | No |  | No |  |
| 852426 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7210 | 9.532 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 58714.61 | Yes | Employed |  | No |  | No |  |
| 851857 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7459.29 | 7.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6161.45 | Yes | Employed |  | No |  | No |  |
| 851610 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2269 | 6.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25464.14 | N/A | Employed |  | No |  | No |  |
| 852131 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 9780.91 | 8.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21516.2 | N/A | Employed | Employed | No | No | No |  |
| 851107 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4901.44 | N/A | Employed |  | No |  | Yes | Present |
| 850721 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10793.2 | N/A | Employed | Employed | No | No | Yes | Present |
| 850426 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 895 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7433.84 | N/A | Employed |  | No |  | No |  |
| 851064 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11032.5 | 7.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8651.17 | N/A | Employed |  | No |  | No |  |
| 851631 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 9020 | 7.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4530.04 | N/A | Employed |  | No |  | No |  |
| 850040 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 18339 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9661.04 | Yes | Employed | Not Employed | No | No | No |  |
| 851705 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28340.89 | N/A | Employed |  | No |  | Yes | Missing |
| 849371 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6065.69 | 9.493 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10029.7 | N/A | Employed |  | No |  | No |  |
| 851678 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12371 | 7.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10797.35 | Yes | Employed |  | No |  | No |  |
| 851011 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 22451 | 7.199 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 31693.78 | Yes | Employed |  | No |  | No |  |
| 849712 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 12064 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6123.91 | Yes | Employed |  | No |  | No |  |
| 852508 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7036.72 | N/A | Employed |  | No |  | Yes | Present |
| 852440 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12951.41 | N/A | Employed |  | No |  | Yes | Present |
| 851707 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3095 | 7.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3924.39 | N/A | Not Employed | Not Employed | No | No | No |  |
| 850899 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38265.19 | N/A | Unknown |  | No |  | No |  |
| 850475 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3340 | 8.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25087.43 | N/A | Employed |  | No |  | No |  |
| 850062 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10528.32 | 7.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25313.02 | Yes | Employed |  | No |  | No |  |
| 852889 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 20276.31 | Yes | Employed |  | No |  | Yes | Present |
| 848461 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8210 | 7.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14976.54 | Yes | Employed |  | No |  | No |  |
| 852351 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 15365 | 7.059 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8590.14 | Yes | Employed |  | No |  | No |  |
| 848048 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2000 | 7.311 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15343.52 | Yes | Employed |  | No |  | No |  |
| 852302 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11330 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16716.39 | Yes | Employed |  | No |  | No |  |
| 851007 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7951 | 8.888 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | Yes | 109746.84 | Yes | Employed |  | No |  | No |  |
| 851633 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6801 | 8.256 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 29175.47 | N/A | Employed |  | No |  | No |  |
| 852528 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1795 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9546.61 | N/A | Retired | Employed | No | No | No |  |
| 852301 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 12847.6 | 8.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8900.69 | N/A | Employed |  | No |  | No |  |
| 852299 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 8095 | 7.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37125.15 | Yes | Employed |  | No |  | No |  |
| 850967 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4447.44 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 850673 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 4927.5 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3036.38 | Yes | Employed |  | No |  | No |  |
| 850465 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 12371.28 | 7.239 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 33888.14 | N/A | Employed |  | No |  | No |  |
| 850160 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7774.84 | 7.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3265.96 | N/A | Employed |  | No |  | No |  |
| 852316 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4559.35 | 7.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3400.15 | Yes | Employed |  | No |  | No |  |
| 848408 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1475 | 7.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15315.87 | Yes | Employed |  | No |  | No |  |
| 852253 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6722.08 | 7.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13943.48 | N/A | Employed | Not Employed | No | No | No |  |
| 851062 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 17261.39 | 8.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19872.51 | N/A | Employed |  | No |  | No |  |
| 851653 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3333.66 | 7.648 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 26991.68 | Yes | Employed |  | No |  | No |  |
| 852769 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8953.91 | N/A | Employed |  | No |  | Yes | Present |
| 851605 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 24113.85 | 8.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24106.81 | N/A | Employed |  | No |  | No |  |
| 848982 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2195 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18230.51 | Yes | Employed |  | No |  | No |  |
| 852781 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5613.43 | 9.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13745.73 | N/A | Employed |  | No |  | No |  |
| 852512 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6445.63 | 7.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85005.12 | Yes | Employed |  | No |  | No |  |
| 852514 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7668.75 | 7.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40911.09 | N/A | Employed |  | No |  | No |  |
| 850577 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1685 | 8.836 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7639.49 | N/A | Employed |  | No |  | No |  |
| 852504 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 26090 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 76408.94 | Yes | Employed | Employed | No | No | No |  |
| 853936 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7042.45 | 7.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39287.27 | Yes | Employed |  | No |  | No |  |
| 850057 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4343.62 | 7.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 236333.15 | Yes | Employed |  | No |  | No |  |
| 851485 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11005 | 7.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4960.83 | Yes | Employed |  | No |  | No |  |
| 852148 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3646.91 | 9.842 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12942.48 | Yes | Employed |  | No |  | No |  |
| 852108 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24468.7 | N/A | Employed |  | No |  | Yes | Present |
| 852612 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6345 | 8.425 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 155849.53 | Yes | Employed |  | No |  | No |  |
| 853495 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11558.69 | N/A | Employed | Employed | No | No | No |  |
| 853315 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5510 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91779.35 | Yes | Employed |  | No |  | No |  |
| 852107 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10372.68 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9625.63 | N/A | Employed |  | No |  | No |  |
| 851480 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19102.56 | Yes | Employed |  | No |  | No |  |
| 851510 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 14935 | 8.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 43213.09 | Yes | Employed |  | No |  | No |  |
| 846010 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | 19618.07 | 7.244 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852258 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 57207.85 | N/A | Employed | Employed | No | No | Yes | Present |
| 850044 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10680 | 7.528 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20598.42 | N/A | Employed | Not Employed | No | No | No |  |
| 851496 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 12503.1 | 8.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9234.47 | N/A | Employed | Employed | No | No | No |  |
| 851860 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19916.81 | N/A | Employed |  | No |  | Yes | Present |
| 852298 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10710.45 | 7.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3403.43 | N/A | Employed |  | No |  | No |  |
| 853520 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7653.67 | N/A | Employed |  | No |  | Yes | Present |
| 852667 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16395 | 6.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22063.07 | Yes | Employed |  | No |  | No |  |
| 853848 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7936 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6680 | N/A | Employed |  | No |  | No |  |
| 851852 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 7676.31 | 7.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15637.45 | Yes | Employed | Employed | No | No | No |  |
| 853533 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4800 | 7.339 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17679.88 | N/A | Employed |  | No |  | No |  |
| 852760 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3995 | 8.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6556.92 | N/A | Employed |  | No |  | No |  |
| 850773 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1695 | 7.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4161.57 | N/A | Employed |  | No |  | No |  |
| 853136 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1500 | 8.542 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16364.88 | N/A | Employed | Not Employed | No | No | No |  |
| 842782 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8918.68 | 8.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2592.76 | Yes | Employed |  | No |  | No |  |
| 851786 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24431.86 | Yes | Employed |  | No |  | Yes | Present |
| 846813 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10518.87 | 7.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9734.59 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**CANOPY VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Appraiser First Name** | **Appraisal Last Name** | **Appraiser License #** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 837678 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2025 |
| 841099 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841956 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.12 | 74.12 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-02-2025 Eligible | 1 | 07-02-2025 |
| 842782 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.91 | 55.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-05-2025 Eligible | 1 | 09-05-2025 |
| 842840 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 Eligible | 1 | 08-21-2025 |
| 842955 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-01-2025 |
| 843427 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.22 | 29.22 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-21-2025 Eligible |  |  |
| 843651 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | Other |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0654 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0654 | xxxxxx | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843751 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.44 | 64.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 843870 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 843994 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844062 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | Other |  |  |  | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0545 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0545 | xxxxxx | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844125 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 844131 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.98 | 45.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 Eligible | 1 | 08-15-2025 |
| 844150 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | Other |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0476 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0476 | 07-26-2025 |  |  |  |  |  |  |  |  |  |  |
| 844224 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.51 | 46.51 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-02-2025 |
| 844384 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 Eligible | 1.1 | 08-05-2025 |
| 844533 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 844574 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844612 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 Eligible | 1 | 07-21-2025 |
| 844666 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-14-2025 |
| 844684 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | Other |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0685 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0685 | xxxxxx | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844720 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-11-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2024 |
| 844749 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2024 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 844842 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 844849 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 Eligible | 1.6 | 08-05-2025 |
| 844856 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-31-2025 Eligible | 1.7 | 07-31-2025 |
| 844898 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844945 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 845140 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 845153 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-14-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 Eligible |  |  |
| 845219 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-12-2025 Eligible | 1 | 08-12-2025 |
| 845405 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-31-2025 |
| 845532 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.31 | 61.31 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-15-2025 |
| 845542 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 845598 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845599 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.63 | 68.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845713 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-21-2025 |
| 845727 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 845749 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845763 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 845764 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-22-2025 |
| 845774 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-24-2025 |
| 845822 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-07-2025 |
| 845824 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845861 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845894 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.4 | 49.4 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-07-2025 |
| 845987 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.02 | 68.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846010 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.47 | 56.47 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 Eligible | 1.6 | 10-01-2025 |
| 846112 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-17-2025 Eligible |  |  |
| 846149 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-16-2025 |
| 846172 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-26-2025 |
| 846188 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 846234 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.79 | 69.79 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-17-2025 |
| 846239 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 846253 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846309 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.43 | 57.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-14-2025 Eligible | 1.4 | 08-14-2025 |
| 846316 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.22 | 57.22 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 Eligible |  |  |
| 846319 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-24-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.43 | 37.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846332 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 846375 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-18-2025 |
| 846383 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846398 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 Eligible | 1 | 08-07-2025 |
| 846408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 846454 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-29-2025 |
| 846465 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.21 | 35.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-17-2025 |
| 846497 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.51 | 70.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-29-2025 |
| 846531 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 Eligible | 1.2 | 08-27-2025 |
| 846541 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.81 | 43.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-07-2025 |
| 846543 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.67 | 41.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-08-2025 Eligible | 1 | 08-08-2025 |
| 846545 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.1 | 41.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 846546 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.17 | 43.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846548 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.81 | 36.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-28-2025 |
| 846549 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.76 | 56.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-06-2025 Eligible | 1.3 | 09-06-2025 |
| 846575 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-23-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.58 | 34.58 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-19-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-24-2022 |
| 846576 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-27-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.72 | 36.72 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-09-2023 |  |  |  |  |  |  |  |  |  |  | 1 | 06-29-2022 Eligible |  |  |
| 846577 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-21-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.1 | 39.1 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0293 | 09-21-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-18-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846578 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-07-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.42 | 42.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2022 |
| 846580 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-26-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.05 | 51.05 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846581 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.5 | 54.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846582 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.24 | 57.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 846584 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-19-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.29 | 59.29 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-12-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-22-2022 |
| 846585 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.04 | 63.04 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-03-2023 Eligible | 1 | 05-03-2023 |
| 846586 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2018 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | xxxxxx | -.0930 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0930 | xxxxxx | Moderate Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-24-2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846587 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 Eligible | 1.1 | 06-10-2025 |
| 846588 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.95 | 71.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-20-2025 Eligible | 1.4 | 06-20-2025 |
| 846589 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.17 | 73.17 | xxxxxx | xxxxxx | .0017 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0017 | 06-18-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846590 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-12-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.21 | 73.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-16-2024 |
| 846591 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.57 | 73.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2024 |
| 846592 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2022 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.89 | 73.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2022 |
| 846594 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-03-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.81 | 74.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-05-2023 |
| 846595 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-28-2025 |
| 846596 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-18-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0455 | 06-12-2023 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-12-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-24-2022 |
| 846597 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-16-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.31 | 77.31 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-30-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2022 |
| 846598 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-05-2022 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.37 | 77.37 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2022 |
| 846600 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-17-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.03 | 79.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846601 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-15-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.33 | 79.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846602 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2017 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 89.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846603 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-22-2017 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-27-2017 Eligible | 2 | 11-27-2017 |
| 846604 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2020 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-13-2022 |
| 846606 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-24-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-16-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-25-2022 |
| 846607 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0199 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0199 | xxxxxx | Low Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-21-2025 Eligible |  |  |
| 846608 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 |
| 846609 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 84.75 | 84.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846610 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846611 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-12-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 88.73 | 88.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-07-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-25-2022 |
| 846612 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2022 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2022 |
| 846613 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2015 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2015 |
| 846614 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-27-2022 Eligible | 2 | 09-27-2022 |
| 846615 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-05-2022 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-17-2022 |
| 846616 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-12-2022 |
| 846617 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-06-2022 Eligible | 1 | 10-06-2022 |
| 846618 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.11 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-12-2025 |
| 846621 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-24-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 94.21 | 94.21 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-23-2023 |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2022 Eligible |  |  |
| 846622 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-26-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 94.95 | 94.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846623 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-02-2018 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-03-2018 |
| 846624 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-22-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | xxxxxx | .1222 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .1222 | 07-06-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846625 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-17-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-13-2023 |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2022 Eligible |  |  |
| 846626 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-13-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-09-2022 |
| 846627 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-24-2023 Eligible |  |  |
| 846628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-01-2024 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-10-2023 |
| 846629 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 95.0 | 95.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846632 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846669 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.25 | 51.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846697 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.32 | 26.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-10-2025 |
| 846698 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.35 | 54.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846699 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846702 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 846718 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.25 | 55.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 846730 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.31 | 58.31 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846761 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-05-2025 |
| 846791 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846806 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.91 | 40.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-12-2025 Eligible | 1 | 08-12-2025 |
| 846813 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-28-2025 |
| 846815 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 Eligible | 1 | 08-20-2025 |
| 846837 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.05 | 67.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-14-2025 Eligible | 1 | 07-14-2025 |
| 846880 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.0 | 52.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 846909 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.0 | 68.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 846936 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-25-2025 Eligible | 1 | 08-25-2025 |
| 847006 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 847033 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.3 | 51.3 | xxxxxx | xxxxxx | -.0099 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0099 | 97.0 | 0.03 | xxxxxx | xxxxxx | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847054 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 |
| 847103 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847157 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847161 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.83 | 55.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 Eligible | 1 | 08-27-2025 |
| 847186 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.56 | 53.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847193 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 Eligible | 1 | 08-27-2025 |
| 847289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 Eligible | 1 | 08-25-2025 |
| 847300 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 847397 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.23 | 49.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-28-2025 |
| 847416 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847417 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 08-25-2025 |  |  |  |  |  |  | 2 | 09-02-2025 Eligible |  |  |
| 847419 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.75 | 63.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847420 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 847421 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.02 | 67.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-14-2025 |
| 847422 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847423 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.2 | 71.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 847424 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847426 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847427 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0% | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 847428 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 847429 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847430 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0714 | xxxxxx | Moderate Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 847431 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847432 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .1429 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1429 | xxxxxx | Moderate Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847433 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847495 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.79 | 65.79 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 Eligible |  |  |
| 847498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.98 | 74.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 847499 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847500 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 847513 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 Eligible | 2 | 08-26-2025 |
| 847542 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 847558 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 08-18-2025 |
| 847598 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 847609 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.69 | 53.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-15-2025 Eligible | 1 | 09-15-2025 |
| 847611 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 Eligible | 1 | 08-29-2025 |
| 847612 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847647 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847653 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.0 | 40.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847703 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.71 | 79.71 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 Eligible |  |  |
| 847704 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 847723 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847743 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.91 | 59.92 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 847841 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 847898 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-04-2025 |
| 847905 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847917 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-09-2025 |
| 847923 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 847930 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 Eligible |  |  |
| 847943 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847960 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-11-2025 |
| 847964 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 848006 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-04-2025 |
| 848008 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 848009 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 848023 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 848048 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-13-2025 |
| 848053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-25-2025 Eligible | 1 | 09-25-2025 |
| 848129 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.59 | 66.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 848142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-10-2025 |
| 848153 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 848170 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848197 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 848218 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 Eligible | 1 | 09-10-2025 |
| 848221 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-29-2025 |
| 848240 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848255 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848318 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-24-2025 | Other |  |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0909 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |
| 848325 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.4 | 57.4 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 848394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 848404 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.86 | 42.86 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-01-2025 Eligible |  |  |
| 848408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-13-2025 |
| 848430 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.45 | 42.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848461 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-03-2025 Eligible | 1 | 10-03-2025 |
| 848487 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.02 | 59.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-28-2025 |
| 848515 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-15-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 Eligible | 1 | 08-04-2025 |
| 848518 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 848537 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 Eligible | 1 | 09-15-2025 |
| 848544 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.99 | 58.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-15-2025 |
| 848558 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | Other |  |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | As-Is | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848559 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable Risk | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848561 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848562 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 |
| 848563 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0453 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0453 | xxxxxx | Moderate Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848565 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | Other |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0143 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0143 | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |
| 848566 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 848567 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | Other |  |  |  | xxxxxx | 31.62 | 31.62 | xxxxxx | xxxxxx | -.0119 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0119 | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |
| 848571 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.07 | 35.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-06-2025 |
| 848722 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 848728 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-07-2025 |
| 848733 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.1 | 64.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 848775 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-22-2025 |
| 848790 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 848801 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 848823 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible | 1 | 09-17-2025 |
| 848888 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-26-2025 Eligible | 1.2 | 09-26-2025 |
| 848946 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | MODERATE RISK | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 |
| 848972 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 848979 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 |
| 849026 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 Eligible | 1 | 09-12-2025 |
| 849073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-10-2025 Eligible | 1 | 10-10-2025 |
| 849094 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.98 | 69.98 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-11-2025 |
| 849129 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 |
| 849187 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.84 | 61.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849211 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.34 | 46.34 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 Eligible | 1 | 09-29-2025 |
| 849248 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849264 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.97 | 66.97 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 Eligible |  |  |
| 849293 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.66 | 65.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-11-2025 Eligible | 1.7 | 09-11-2025 |
| 849336 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-24-2025 Eligible | 1 | 09-24-2025 |
| 849349 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-03-2025 Eligible | 1 | 10-03-2025 |
| 849371 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.58 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-05-2025 |
| 849394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 Eligible | 1 | 09-19-2025 |
| 849396 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849419 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849461 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 849552 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 849580 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.25 | 66.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 Eligible | 1.3 | 09-15-2025 |
| 849595 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-15-2025 |
| 849619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-25-2025 |
| 849712 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.81 | 65.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-12-2025 |
| 849727 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.85 | 53.85 | xxxxxx | xxxxxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0769 | xxxxxx | Moderate Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849796 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849812 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 849939 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-30-2025 |
| 850040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.27 | 73.27 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850044 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 Eligible | 1 | 08-14-2025 |
| 850057 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.86 | 64.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 |
| 850062 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.14 | 73.14 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 Eligible | 1 | 10-20-2025 |
| 850115 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850125 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.5 | 47.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-27-2025 Eligible | 1 | 09-27-2025 |
| 850144 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 850152 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 850160 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.0 | 73.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850209 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.08 | 67.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 850238 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850256 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 850262 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 Eligible |  |  |
| 850267 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850353 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-23-2025 Eligible |  |  |
| 850410 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-29-2025 Eligible | 1 | 07-29-2025 |
| 850426 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 Eligible |  |  |
| 850465 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.13 | 71.13 | xxxxxx | xxxxxx | -.0824 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0824 | 95.0 | 0.05 | xxxxxx | xxxxxx | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850475 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850496 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.97 | 74.97 | xxxxxx | xxxxxx | -.0121 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0121 | 84.0 | 0.16 | xxxxxx | xxxxxx | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850503 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-20-2025 Eligible | 1 | 10-20-2025 |
| 850512 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850536 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-03-2025 Eligible | 1 | 10-03-2025 |
| 850574 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 Eligible | 1.3 | 09-26-2025 |
| 850577 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-20-2025 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.01 | 66.76 | xxxxxx | xxxxxx | -.0034 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0034 | 89.0 | 0.11 | xxxxxx | xxxxxx | 10-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850595 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 Eligible |  |  |
| 850670 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.83 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-24-2025 Eligible | 1.5 | 09-24-2025 |
| 850673 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850674 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850721 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.43 | 71.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-22-2025 |
| 850773 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-17-2025 Eligible | 1 | 10-17-2025 |
| 850785 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850809 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.14 | 46.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850838 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-24-2025 | AVM |  |  |  | xxxxxx | 30.49 | 78.11 | xxxxxx | xxxxxx | .0023 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0023 | 95.0 | 0.05 | xxxxxx | xxxxxx | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850860 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-30-2025 |
| 850869 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-14-2025 Eligible |  |  |
| 850871 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.77 | 68.77 | xxxxxx | xxxxxx | -.0246 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0246 | xxxxxx | Moderate Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850873 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 850899 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0023 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0023 | 10-23-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850967 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-05-2025 |
| 850973 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 Eligible | 1 | 10-13-2025 |
| 850990 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.01 | 80.01 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850992 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-14-2025 |
| 851007 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851011 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851062 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.34 | 73.34 | xxxxxx | 0 | .0000 | Desk Review | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | INDETERMINATE | 08-26-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851064 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.61 | 66.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851068 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.2692 | xxxxxx | HIgh Risk | 10-10-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851086 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851107 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx |  |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-07-2025 |
| 851415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-20-2025 |
| 851480 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-20-2025 Eligible |  |  |
| 851485 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-14-2025 |
| 851496 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 851510 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851513 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-06-2025 Eligible |  |  |
| 851533 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.06 | 47.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-17-2025 Eligible | 2.1 | 10-17-2025 |
| 851609 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 851610 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.25 | 71.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 851631 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.65 | 61.65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-23-2025 Eligible | 2.5 | 10-23-2025 |
| 851632 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851633 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.4 | 51.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851653 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851678 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 851705 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.55 | 44.55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 851707 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.75 | 45.75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-23-2025 Eligible |  |  |
| 851733 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851786 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 851852 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | 0 | .0000 | 11-05-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851854 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 851857 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 Eligible | 1 | 10-16-2025 |
| 851860 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851888 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-27-2025 |
| 851941 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-24-2025 Eligible | 1 | 10-24-2025 |
| 852107 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0964 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0964 | xxxxxx | Moderate Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852108 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852131 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0025 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 852148 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.53 | 71.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-21-2025 Eligible | 1.7 | 10-21-2025 |
| 852196 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 Eligible | 1.5 | 10-30-2025 |
| 852198 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 852253 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-25-2025 Eligible | 1 | 10-25-2025 |
| 852258 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0267 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0267 | xxxxxx | Moderate Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-03-2025 |
| 852265 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 852285 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-28-2025 |
| 852298 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.1 | 69.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-18-2025 Eligible | 1 | 10-18-2025 |
| 852299 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852301 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.13 | 74.13 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 852302 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 Eligible | 1 | 10-31-2025 |
| 852313 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 852316 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.04 | 64.04 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 852351 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852426 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.4 | 89.92 | xxxxxx | xxxxxx | -.0207 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0207 | 92.0 | 0.08 | xxxxxx | xxxxxx | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852440 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852504 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.88 | 49.88 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852508 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852512 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-04-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 Eligible | 1 | 10-24-2025 |
| 852514 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.0 | 38.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-28-2025 |
| 852528 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.83 | 10.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-29-2025 Eligible | 1 | 10-29-2025 |
| 852612 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.57 | 64.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-03-2025 |
| 852621 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 852622 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.7 | 48.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852624 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 100.0 | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-15-2025 |
| 852625 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.04 | 60.04 | xxxxxx | xxxxxx | .0168 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0168 | xxxxxx | Reasonable | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852626 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-10-2025 |
| 852627 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | As-Is | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-02-2025 |
| 852628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 852630 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | As Is | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 Eligible |  |  |
| 852631 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.75 | 31.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-14-2025 |
| 852632 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 852633 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 10-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 852634 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 100.0 | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 852637 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852638 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.93 | 63.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 852639 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 10-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 852641 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 852663 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | As-Is | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852667 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852760 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.75 | 63.45 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 Eligible | 1.4 | 10-27-2025 |
| 852769 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852781 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-15-2025 Eligible | 1.8 | 10-15-2025 |
| 852889 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852987 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-01-2025 |
| 852988 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852997 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 Eligible | 1 | 10-14-2025 |
| 852999 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853000 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853004 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.36 | 59.36 | xxxxxx | xxxxxx | -.0053 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0027 | 10-02-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-20-2025 |
| 853005 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | 0 | .0000 | 10-12-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-16-2025 |
| 853007 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-24-2025 |
| 853008 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-23-2025 |
| 853010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-04-2025 |
| 853012 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.18 | 70.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-22-2025 Eligible |  |  |
| 853015 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-29-2025 |
| 853016 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-02-2025 |
| 853018 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-17-2025 |
| 853019 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 88.7 | 88.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-10-2025 |
| 853021 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.22 | 51.22 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-23-2025 Eligible | 1 | 10-23-2025 |
| 853022 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 Eligible | 1 | 10-02-2025 |
| 853023 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.8 | 74.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853025 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853026 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 853028 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 853029 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.17 | 79.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-17-2025 Eligible |  |  |
| 853031 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible |  |  |
| 853032 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-17-2025 Eligible | 1 | 10-17-2025 |
| 853033 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | moderate risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 853034 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 853035 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.71 | 71.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 853038 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 853040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853041 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-26-2025 |
| 853042 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853043 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-09-2025 |
| 853044 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.23 | 73.23 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 Eligible | 1.9 | 09-26-2025 |
| 853045 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 853046 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.99 | 53.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 853047 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-22-2025 |
| 853049 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-28-2025 Eligible | 1 | 09-28-2025 |
| 853050 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-09-2025 Eligible | 1.7 | 10-09-2025 |
| 853051 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 853054 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 853055 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-20-2025 Eligible |  |  |
| 853056 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.28 | 38.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-21-2025 Eligible | 1.1 | 10-21-2025 |
| 853058 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 853061 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 Eligible | 1 | 09-19-2025 |
| 853062 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.44 | 49.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 853065 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.14 | 57.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853066 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-11-2025 |
| 853067 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 853070 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 853075 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 Eligible |  |  |
| 853076 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.12 | 73.12 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | -.0059 | 10-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-21-2025 |
| 853078 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 853079 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.19 | 69.19 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-06-2025 Eligible |  |  |
| 853080 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 853081 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-15-2025 |
| 853082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-07-2025 Eligible |  |  |
| 853083 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 853084 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 853085 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 87.95 | 87.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-16-2025 |
| 853086 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0308 | 10-13-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853087 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853088 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 853089 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.17 | 74.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 853091 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-17-2025 Eligible |  |  |
| 853136 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.18 | 30.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853315 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 Eligible | 1 | 10-31-2025 |
| 853495 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx |  |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 853520 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 Eligible | 1 | 10-28-2025 |
| 853533 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-12-2025 Eligible | 1 | 11-12-2025 |
| 853848 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 853936 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848982 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.96 | 69.96 | xxxxxx | xxxxxx | -.0969 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0969 | 93.0 | 0.07 | xxxxxx | xxxxxx | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

**EXHIBIT 99.16**

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

![](tm2534371d1_ex99-16img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2026-1**

**By Clarifii LLC on December 26, 2025**

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2534371d1_ex99-16img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 437 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2026-1 transaction. The Loans referenced in this narrative report were reviewed between 12/2024 to 12/2025 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;196 | &nbsp;&nbsp;44.85% | &nbsp;&nbsp;$104254002.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;71 | &nbsp;&nbsp;16.25% | &nbsp;&nbsp;$44426645.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$484500.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.14% | &nbsp;&nbsp;$2499228.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;164 | &nbsp;&nbsp;37.53% | &nbsp;&nbsp;$93809656.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**437** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$245474031.00** |

---

The Review consisted of a population of 437 Loans, with an aggregate principal balance of $245,474,031.00.

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

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

**LOAN** **SAMPLING**

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

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2534371d1_ex99-16img001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA** **INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2534371d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - Filipino |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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---

| |
|:---|
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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---

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

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

- the guidelines

&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

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

**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).

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO** **REPAY (ATR)**

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

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

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

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.

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

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**VALUATION REVIEW**

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

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

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

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

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm2534371d1_ex99-16img001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA<br> or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;186 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;224 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |

---

 

**DUE DILIGENCE** **GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

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**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;319 | &nbsp;&nbsp;73.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;118 | &nbsp;&nbsp;27.00% |
| &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;**437** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;365 | &nbsp;&nbsp;83.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;72 | &nbsp;&nbsp;16.48% |
| &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;**437** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;437 | &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;**437** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;383 | &nbsp;&nbsp;87.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;12.36% |
| &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;**437** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN** **SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;$9251500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;429 | &nbsp;&nbsp;98.17% | &nbsp;&nbsp;$236222531.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**437** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$245474031.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;203 | &nbsp;&nbsp;46.46% | &nbsp;&nbsp;$143754262.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;22 | &nbsp;&nbsp;5.03% | &nbsp;&nbsp;$13139470.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;212 | &nbsp;&nbsp;48.51% | &nbsp;&nbsp;$88580299.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**437** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$245474031.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;210 | &nbsp;&nbsp;48.05% | &nbsp;&nbsp;$105288941.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;227 | &nbsp;&nbsp;51.95% | &nbsp;&nbsp;$140185090.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**437** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$245474031.00** |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

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**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;403 | &nbsp;&nbsp;92.22% | &nbsp;&nbsp;$237274809.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;34 | &nbsp;&nbsp;7.78% | &nbsp;&nbsp;$8199222.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**437** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$245474031.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.14% | &nbsp;&nbsp;$1560972.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.06% | &nbsp;&nbsp;$5936725.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;422 | &nbsp;&nbsp;96.57% | &nbsp;&nbsp;$237854334.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$122000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**437** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$245474031.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.92% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;430 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;431 | &nbsp;&nbsp;97.91% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2534371d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;50 | &nbsp;&nbsp;72.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;27 | &nbsp;&nbsp;18.52% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;145 | &nbsp;&nbsp;86.90% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;13 | &nbsp;&nbsp;61.54% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;432 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;378 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;25 | &nbsp;&nbsp;410 | &nbsp;&nbsp;93.90% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;436 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;4 | &nbsp;&nbsp;390 | &nbsp;&nbsp;98.97% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;437 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;63 | &nbsp;&nbsp;76.19% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;363 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;431 | &nbsp;&nbsp;98.38% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;430 | &nbsp;&nbsp;99.77% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;386 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |

---

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm2534371d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;5 | &nbsp;&nbsp;436 | &nbsp;&nbsp;98.85% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;6 | &nbsp;&nbsp;432 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;436 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;76 | &nbsp;&nbsp;388 | &nbsp;&nbsp;80.41% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;432 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;402 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;17 | &nbsp;&nbsp;394 | &nbsp;&nbsp;95.69% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;343 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;413 | &nbsp;&nbsp;95.64% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;73 | &nbsp;&nbsp;279 | &nbsp;&nbsp;73.84% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;164 | &nbsp;&nbsp;98.17% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;11 | &nbsp;&nbsp;230 | &nbsp;&nbsp;95.22% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;343 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;398 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm2534371d1_ex99-16img001.jpg)

**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.*© 2025 Clarifii LLC. All rights reserved.

VERUS 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

## Exhibit 99.17

**EXHIBIT 99.17** 

**CLARIFII RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 824511 | xxxxxx D A C | Closed | xxxxxx | 2024-12-04 12:07 | 2025-03-25 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-1003 provided. - Due Diligence Vendor-12/09/2024 <br> Ready for Review-Document Uploaded. attached is b2 final 1003<br> - Seller-12/05/2024 <br> Open-B2 final 1003 missing & B2 initial unexecuted - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. attached is b2 final 1003<br> - Seller-12/05/2024 | Resolved-1003 provided. - Due Diligence Vendor-12/09/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender DSCR minimum 0, borrower DSCR is 1.05.<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 824511 | xxxxxx D A C | Closed | xxxxxx | 2024-12-05 13:22 | 2025-03-24 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved--Occupancy certificate provided. - Due Diligence Vendor-12/06/2024 <br> Ready for Review-We use a combined form that has this verbiage along with the occupancy cert. per our General Counsel.<br> please escalate. - Seller-12/05/2024 <br> Open-Missing Business Purpose Affidavit. - Due Diligence Vendor-12/05/2024 | Ready for Review-We use a combined form that has this verbiage along with the occupancy cert. per our General Counsel.<br> please escalate. - Seller-12/05/2024 | Resolved--Occupancy certificate provided. - Due Diligence Vendor-12/06/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender DSCR minimum 0, borrower DSCR is 1.05.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 824511 | xxxxxx D A C | Closed | xxxxxx | 2024-12-05 13:09 | 2024-12-10 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Evidence of two months rents deposited has been provided. - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/10/2024 <br> Open-Provide evidence of two months rents deposited, to use the higher lease rents vs actual market rents in qualifying. - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/10/2024<br>| Resolved-Evidence of two months rents deposited has been provided. - Due Diligence Vendor-12/10/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender DSCR minimum 0, borrower DSCR is 1.05.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 824511 | xxxxxx D A C | Closed | xxxxxx | 2024-12-05 13:11 | 2024-12-09 16:40 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-1004D provided. Free and clear of damage. - Due Diligence Vendor-12/09/2024 <br> Ready for Review-Document Uploaded. Please see attached and let me know if this doesn't suffice. xxxxxx! - Seller-12/06/2024 <br> Open-xxxxxx, Incident Period: xxxxxx, Major Disaster Declaration declared on xxxxxx, INDIVIDUAL & PUBLIC Assistance, appraiser to provide commentary. No commentary provided on updated appraisal completed on xxxxxx - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. Please see attached and let me know if this doesn't suffice. xxxxxx! - Seller-12/06/2024 | Resolved-1004D provided. Free and clear of damage. - Due Diligence Vendor-12/09/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender DSCR minimum 0, borrower DSCR is 1.05.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 824511 | xxxxxx D A C | Closed | xxxxxx | 2024-12-05 13:17 | 2024-12-09 16:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved. Special Warranty provided from name out of a trust . - Due Diligence Vendor-12/09/2024 <br> Ready for Review-Document Uploaded. Rebut - please see attached. Property was taken out of the land trust and deeded to the borrower's LLC at closing. xxxxxx! - Seller-12/06/2024 <br> Open-Property Title Issue Current vesting is xxxxxx, a xxxxxx limited liability company, as Trustee of the xxxxxx Dated xxxxxx Per lender guides, vesting in a xxxxxx is ineligible. - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. Rebut - please see attached. Property was taken out of the land trust and deeded to the borrower's LLC at closing. xxxxxx! - Seller-12/06/2024 | Resolved-Property Title Issue Resolved. Special Warranty provided from name out of a trust . - Due Diligence Vendor-12/09/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender DSCR minimum 0, borrower DSCR is 1.05.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838131 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 15:33 | 2025-11-03 10:51 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received PCCD confirming rate term refi-$5k max cash back for rate term refi. 70% LTV max ltv allowed. - Due Diligence Vendor-11/03/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Per guidelines with a 673 FICO score cash out is ineligible. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received PCCD confirming rate term refi-$5k max cash back for rate term refi. 70% LTV max ltv allowed. - Due Diligence Vendor-11/03/2025 | Qualifying DTI below maximum allowed - dti is 33% maximum dti is 50%<br>LTV is less than guideline maximum - 62.50% LTV; max 70% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838131 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 15:25 | 2025-10-31 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-10/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - dti is 33% maximum dti is 50%<br>LTV is less than guideline maximum - 62.50% LTV; max 70% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838131 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 14:04 | 2025-10-31 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-10/31/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - dti is 33% maximum dti is 50%<br>LTV is less than guideline maximum - 62.50% LTV; max 70% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838131 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 14:14 | 2025-10-31 11:52 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title. - Due Diligence Vendor-10/31/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). \*Title does not indicates coverage. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Title. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - dti is 33% maximum dti is 50%<br>LTV is less than guideline maximum - 62.50% LTV; max 70% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838457 | xxxxxx C A | Closed | xxxxxx | 2025-08-20 15:10 | 2025-12-10 10:25 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received by-laws, developer to turn over control within 90 days after 90% have been conveyed to purchasers.<br> - Due Diligence Vendor-09/04/2025 <br> Open-Builder is in control of HOA PER APPRAISAL - xxxxxx - No estimation on when the builder is turning over control. - Due Diligence Vendor-08/20/2025 |  | Resolved-Received by-laws, developer to turn over control within 90 days after 90% have been conveyed to purchasers.<br> - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - LTV = 32.05% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 806 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838457 | xxxxxx C A | Closed | xxxxxx | 2025-08-22 14:51 | 2025-09-04 10:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statements. Primary paid to date - Due Diligence Vendor-09/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence the primary residence mortgage is paid to date. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received mortgage statements. Primary paid to date - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - LTV = 32.05% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 806 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838457 | xxxxxx C A | Closed | xxxxxx | 2025-08-22 14:49 | 2025-09-04 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received by-laws, developer to turn over control within 90 days after 90% have been conveyed to purchasers. - Due Diligence Vendor-09/04/2025 <br> Open-PER APPRAISAL - xxxxxx - No estimation on when the builder is turning over control. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received by-laws, developer to turn over control within 90 days after 90% have been conveyed to purchasers. - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - LTV = 32.05% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 806 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839580 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839893 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 10:13 | 2025-08-19 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement. - Due Diligence Vendor-08/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months mortgage history for subject. not reported on credit report. only mtg stmt provided for 5/19/25 statement. - Due Diligence Vendor-08/07/2025 |  | Resolved-Received credit supplement. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 700.<br>Months Reserves exceed minimum required - 17.11 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840448 | xxxxxx D A C | Closed | xxxxxx | 2025-11-19 08:33 | 2025-11-20 07:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received LE and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/20/2025 <br> Open-\*\*\*\*\*NEW\*\*\*\*\*-----Zero (0%) tolerance fees increased by $165.00 (Appraisal Desk Review) 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 $165.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-11/19/2025 |  | Resolved------Received LE and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - The guidelines require a minimum FICO score of 640. The borrower was qualifed with a 772 FICO score. Required is 640 Borrower has 772<br> Qualifying DTI below maximum allowed - The guidelines permit a maximum DTI of 50%. The DTI for this loan is 18.56%. Required is 50 Borrower has 18.56<br> LTV is less than guideline maximum - Guidelines allow a maximum LTV of 85%. The subject LTV is 68.23%. Required is 85 Borrower has 68.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840448 | xxxxxx D A C | Closed | xxxxxx | 2025-11-13 23:50 | 2025-11-19 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-11/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The guidelines state a gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. The loan file is missing the gap credit report or UDM. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The guidelines require a minimum FICO score of 640. The borrower was qualifed with a 772 FICO score. Required is 640 Borrower has 772<br>Qualifying DTI below maximum allowed - The guidelines permit a maximum DTI of 50%. The DTI for this loan is 18.56%. Required is 50 Borrower has 18.56<br>LTV is less than guideline maximum - Guidelines allow a maximum LTV of 85%. The subject LTV is 68.23%. Required is 85 Borrower has 68.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840448 | xxxxxx D A C | Closed | xxxxxx | 2025-11-14 07:15 | 2025-11-19 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Received Updated Credit Report. - Due Diligence Vendor-11/19/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). The guidelines state that the credit report cannot be greater than 120 days old at closing. The borrower's credit report is 134 days old at time of closing. The loan file does not contain a new credit report. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Updated Credit Report. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The guidelines require a minimum FICO score of 640. The borrower was qualifed with a 772 FICO score. Required is 640 Borrower has 772<br>Qualifying DTI below maximum allowed - The guidelines permit a maximum DTI of 50%. The DTI for this loan is 18.56%. Required is 50 Borrower has 18.56<br>LTV is less than guideline maximum - Guidelines allow a maximum LTV of 85%. The subject LTV is 68.23%. Required is 85 Borrower has 68.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840448 | xxxxxx D A C | Closed | xxxxxx | 2025-11-13 15:14 | 2025-11-19 08:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Open-------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-11/13/2025 |  | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - The guidelines require a minimum FICO score of 640. The borrower was qualifed with a 772 FICO score. Required is 640 Borrower has 772<br>Qualifying DTI below maximum allowed - The guidelines permit a maximum DTI of 50%. The DTI for this loan is 18.56%. Required is 50 Borrower has 18.56<br>LTV is less than guideline maximum - Guidelines allow a maximum LTV of 85%. The subject LTV is 68.23%. Required is 85 Borrower has 68.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840448 | xxxxxx D A C | Closed | xxxxxx | 2025-11-13 15:11 | 2025-11-17 16:00 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.045% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97%. - Due Diligence Vendor-12/09/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.045% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97%. - Due Diligence Vendor-11/13/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.045% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97%. - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - The guidelines require a minimum FICO score of 640. The borrower was qualifed with a 772 FICO score. Required is 640 Borrower has 772<br>Qualifying DTI below maximum allowed - The guidelines permit a maximum DTI of 50%. The DTI for this loan is 18.56%. Required is 50 Borrower has 18.56<br>LTV is less than guideline maximum - Guidelines allow a maximum LTV of 85%. The subject LTV is 68.23%. Required is 85 Borrower has 68.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840756 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 17:40 | 2025-09-23 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final HUD confirming cash amount to borrower for reserves. - Due Diligence Vendor-09/19/2025 <br> Open-Audited Reserves of 5.93 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/12/2025 |  | Resolved-Received final HUD confirming cash amount to borrower for reserves. - Due Diligence Vendor-09/19/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>LTV is less than guideline maximum - LTV 26.09% LTV. Allowed 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840756 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 17:24 | 2025-09-22 12:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Client provided a waiver for credit report >120 days, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-09/12/2025 |  | Waived-Client provided a waiver for credit report >120 days, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>LTV is less than guideline maximum - LTV 26.09% LTV. Allowed 65%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840756 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 16:16 | 2025-09-19 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final HUD. - Due Diligence Vendor-09/19/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Complete copy of Final Closing Disclosure. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received final HUD. - Due Diligence Vendor-09/19/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>LTV is less than guideline maximum - LTV 26.09% LTV. Allowed 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840756 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 17:31 | 2025-09-16 17:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/16/2025 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-09/12/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/16/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>LTV is less than guideline maximum - LTV 26.09% LTV. Allowed 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840756 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 17:46 | 2025-09-16 12:49 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow Commercial rent exceed 49.99% maximum , Non-materialwaiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/16/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Commercial Rent exceed 49.99%. The actual commercial rents = 51.61%. - Due Diligence Vendor-09/12/2025 |  | Waived-Client exception granted to allow Commercial rent exceed 49.99% maximum , Non-materialwaiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/16/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>LTV is less than guideline maximum - LTV 26.09% LTV. Allowed 65%. | 1. LTV 26.09% LTV. Allowed 65%. 2. Mortgage History 0x30x12. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841246 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 18:25 | 2025-09-18 09:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Paid receipts provided to confirm xxxxxx. - Due Diligence Vendor-09/18/2025 <br> Open-Property Issues are identified for the property Appraisal was completed "As Is" However, picture of xxxxxx which is required by xxxxxx law. Appraiser also comments on page 1 xxxxxx. - Due Diligence Vendor-08/13/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Paid receipts provided to confirm the xxxxxx. - Due Diligence Vendor-09/18/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 24.9%.<br>Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 50 months. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more<br> Credit Score 10 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841824 | xxxxxx C B A | Closed | xxxxxx | 2025-09-16 09:51 | 2025-09-19 08:30 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-09/19/2025 <br> Open-Missing Approval/Underwriting Summary No loan approval or 1008 in file. - Due Diligence Vendor-09/16/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 600; qualifying FICO is 698.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 75.97 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841824 | xxxxxx C B A | Closed | xxxxxx | 2025-09-16 09:45 | 2025-09-18 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow comp 3 on appraisal to be > 19 miles from subject, Non-material waiver applied with comp factors. non-material due to value supported with third party review. Additional third-party research reflects there are no other like properties in the area that sold within the last 6 months and best available comparables were used. - Due Diligence Vendor-12/11/2025 <br> Open-Property Issues are identified for the property Lender Exception in file for appraisal using comp sale 3 which is xxxxxx miles from the subject property. Confirm the use of comp sale 3 with a distance of xxxxxx miles is acceptable. - Due Diligence Vendor-12/11/2025 |  | Waived-Client exception granted to allow comp xxxxxx on appraisal to be > 19 miles from subject, Non-material waiver applied with comp factors. non-material due to value supported with third party review. Additional third-party research reflects there are no other like properties in the area that sold within the last 6 months and best available comparables were used. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 600; qualifying FICO is 698.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 75.97 months. | LTV 10% or more below the maximum allowed under applicable guidelines.<br> Experienced investor owns and manages 5 or more properties for 12 months. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842465 | xxxxxx C A | Closed | xxxxxx | 2025-08-22 14:40 | 2025-09-03 17:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review, Foreign National Asset requirements have been met. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-account is acceptable - our guidelines do not reflect the borrower needs a 30 day account. Foreign National borrower must open a xxxxxx account in order to have adequate asset reserves per our guidelines. Please waive or resolve this finding. xxxxxx. - Seller-08/29/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Account ending 7511-Missing 30 days transaction history. Provided 7/9/25 thru 7/30/25. - Due Diligence Vendor-08/22/2025 | Ready for Review-account is acceptable - our guidelines do not reflect the borrower needs a 30 day account. Foreign National borrower must open a xxxxxx account in order to have adequate asset reserves per our guidelines. Please waive or resolve this finding. xxxxxx. - Seller-08/29/2025 | Resolved-Upon further review, Foreign National Asset requirements have been met. - Due Diligence Vendor-09/03/2025<br>| Long term residence - Long Term Residence = 4+ years<br>LTV is less than guideline maximum - LTV 69.86 ; max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843479 | xxxxxx D B A | Closed | xxxxxx | 2025-09-06 10:51 | 2025-10-01 15:07 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-The request for an exception to eligibility criteria is granted for missing the lease agreement. Lender used the lower lease amount disclosed on the appraisal. - Due Diligence Vendor-10/01/2025 <br> Open-Missing Lease Agreement. - Due Diligence Vendor-09/06/2025 |  | Waived-The request for an exception to eligibility criteria is granted for missing the lease agreement. Lender used the lower lease amount disclosed on the appraisal. - Due Diligence Vendor-10/01/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 202.41 Months of reserves; 0 required | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DSCR > 1.15 / Compensating Factor 3 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843479 | xxxxxx D B A | Closed | xxxxxx | 2025-09-06 10:55 | 2025-09-19 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing EAD card (front and back) - Due Diligence Vendor-09/06/2025 |  | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 202.41 Months of reserves; 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843479 | xxxxxx D B A | Closed | xxxxxx | 2025-09-06 10:51 | 2025-09-19 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025 <br> Open-Borrower has an ITIN Card. All borrowers must have a valid Social Security Number, unless they meet the requirements listed for Foreign National Borrowers. ITINs are not acceptable. - Due Diligence Vendor-09/06/2025 |  | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 202.41 Months of reserves; 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843653 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843662 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 10:36 | 2025-11-03 07:21 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $461 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $140, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date xxxxxx [COC for increase in file for xxxxxx, however it does not state reason for appraisal fee increase. Credit of $321 present on final CD for charges that cannot increase, remaining tolerance violation is $140]<br> - Due Diligence Vendor-09/30/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/03/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 20.59 ; max 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 783; minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843662 | xxxxxx D B A | Closed | xxxxxx | 2025-10-01 08:35 | 2025-10-29 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client provided a waiver for Non Arms Length transaction purchase of Second Home, applied to non material finding with comp factors - Due Diligence Vendor-10/29/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program- Not allowed. borrower is purchasing 2nd home from niece per LOX in file. and purchase is For sale by owner which is not allowed and also there is no EMD which is also one of restrictions see. xxxxxx home guides pg. 11. - Due Diligence Vendor-10/01/2025 |  | Waived-Client provided a waiver for Non Arms Length transaction purchase of Second Home, applied to non material finding with comp factors - Due Diligence Vendor-10/29/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 20.59 ; max 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 783; minimum is 680. | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843662 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 10:00 | 2025-10-16 11:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received complete 1003. - Due Diligence Vendor-10/16/2025 <br> Open-The Final 1003 is Incomplete Final 1003 Income section is incomplete - Due Diligence Vendor-09/30/2025 |  | Resolved-Received complete 1003. - Due Diligence Vendor-10/16/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 20.59 ; max 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 783; minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843662 | xxxxxx D B A | Closed | xxxxxx | 2025-10-01 09:34 | 2025-10-16 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received taxes and insurance for xxxxxx.<br> - Due Diligence Vendor-10/16/2025 <br> Counter-Received re taxes for xxxxxx Pass-Missing taxes and insurance for REO xxxxxx - Due Diligence Vendor-10/07/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property- Missing taxes and insurance for REO xxxxxx and missing taxes for REO xxxxxx for xxxxxx. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received taxes and insurance for xxxxxx.<br> - Due Diligence Vendor-10/16/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 20.59 ; max 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 783; minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843759 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843783 | xxxxxx D A | Closed | xxxxxx | 2025-08-15 13:19 | 2025-09-17 13:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the loan file contains bank statements verifying the additional payments. - Due Diligence Vendor-09/17/2025 <br> Counter-Received credit report-missing updated pay history for xxxxxx-confirmation May, June and July payments made. - Due Diligence Vendor-08/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing credit report - Unable to determine if the borrower owns the primary, provide the most recent 12 month payment history for the primary residence. - Due Diligence Vendor-08/15/2025 |  | Resolved-After further review, the loan file contains bank statements verifying the additional payments. - Due Diligence Vendor-09/17/2025<br>| LTV is less than guideline maximum - 67% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843783 | xxxxxx D A | Closed | xxxxxx | 2025-08-15 08:43 | 2025-09-17 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-08/20/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing credit report for B1. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received credit report. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - 67% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843783 | xxxxxx D A | Closed | xxxxxx | 2025-08-15 08:57 | 2025-08-20 09:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received account printout reflecting sufficient assets and reserves. - Due Diligence Vendor-08/20/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short reserves. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received account printout reflecting sufficient assets and reserves. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - 67% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843783 | xxxxxx D A | Closed | xxxxxx | 2025-08-15 08:51 | 2025-08-20 09:07 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received account printout reflecting sufficient assets and reserves. - Due Diligence Vendor-08/20/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-42594.58'. Assets are Insufficient. Lender used balance for checking $232,235.71. Per statement ending 07.15, balance is $155,710.48 - Due Diligence Vendor-08/15/2025 |  | Resolved-Received account printout reflecting sufficient assets and reserves. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - 67% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843783 | xxxxxx D A | Closed | xxxxxx | 2025-08-11 11:44 | 2025-08-20 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-08/20/2025 |  | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - 67% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843880 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843889 | xxxxxx C A | Closed | xxxxxx | 2025-08-14 19:47 | 2025-09-22 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received confirmation from appraiser xxxxxx. - Due Diligence Vendor-09/22/2025 <br> Counter-Received email from appraiser-please have appraiser add commentary to report-and confirm xxxxxx. No health and safety noted. - Due Diligence Vendor-09/09/2025 <br> Open-Property Issues are identified for the property 1) The picture of the xxxxxx (p. 213); 2) xxxxxx. When there are incomplete items or conditions that do affect the safety, soundness, or structural integrity of the property, the property must be appraised subject to completion of the specific alterations or repairs. These items can include a partially completed addition or renovation, or physical deficiencies that could affect the safety, soundness, or structural integrity of the improvements, including but not limited to, xxxxxx. In such cases, the Seller must obtain a certificate of completion from the appraiser before the mortgage is delivered to xxxxxx. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received confirmation from appraiser xxxxxx. - Due Diligence Vendor-09/22/2025 | LTV is less than guideline maximum - 46.43% LTV with 70% max<br>Months Reserves exceed minimum required - 76 months reserves with 0 min |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843953 | xxxxxx C A | Closed | xxxxxx | 2025-08-25 15:10 | 2025-09-05 10:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/05/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description.<br> - Due Diligence Vendor-08/25/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/05/2025<br>| LTV is less than guideline maximum - LTV = 62.84% - Max LTV = 75%<br>Months Reserves exceed minimum required - Reserves = 54.65 months – Required Reserves = 2 Months<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844122 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 12:37 | 2025-10-06 13:56 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-The request for an exception to eligibility criteria is granted for hazard effective date. Insurer has confirmed no claims were made- Due Diligence Vendor-10/06/2025 <br> Counter-Received waiver for insurance effective date of xxxxxx with disbursement date of xxxxxx--provide confirmation from insurance provider no claims made or pending from xxxxxx to xxxxxx for waiver to be considered, in addition an exterior inspection should be provided to ensure no damage. - Due Diligence Vendor-09/30/2025 <br> Counter-Received waiver for insurance effective date of xxxxxx with disbursement date of xxxxxx--provide confirmation from insurance provider no claims made or pending from xxxxxx to xxxxxx for waiver to be considered. - Due Diligence Vendor-09/29/2025 <br> Counter-Policy provided, however the effective date of xxxxxx is post the closing/disbursement date of xxxxxx - Due Diligence Vendor-09/19/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx \*New\* - Due Diligence Vendor-09/18/2025 |  | Waived-The request for an exception to eligibility criteria is granted for hazard effective date. Insurer has confirmed no claims were made- Due Diligence Vendor-10/06/2025 | DSCR % greater than 1.20 - DSCR 1.544%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 44.27 months | Compensating Factor 1 - DSCR > 1.3 / Compensating Factor 2 - Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844122 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 07:34 | 2025-09-18 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI Policy - Due Diligence Vendor-09/18/2025 <br> Counter-Received partial policy and application--Borrower name is incorrect-reflects xxxxxx, missing expiration date, Coverage-finding remains. - Due Diligence Vendor-09/05/2025 <br> Open-Missing Hazard Insurance Policy Please provide Hazard Insurance Policy which includes rent loss coverage. Additional findings may apply. - Due Diligence Vendor-08/18/2025 |  | Resolved-Received HOI Policy - Due Diligence Vendor-09/18/2025<br>| DSCR % greater than 1.20 - DSCR 1.544%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 44.27 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844122 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 06:25 | 2025-08-19 12:17 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding - Due Diligence Vendor-08/19/2025 <br> Open-A PPP cannot be applied to an individual or LLC in xxxxxx, only on a C-Corp or S-Corp. - Due Diligence Vendor-08/18/2025 |  | Waived-Client waiver applied to non material finding - Due Diligence Vendor-08/19/2025<br>| DSCR % greater than 1.20 - DSCR 1.544%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 44.27 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844135 | xxxxxx D B A | Closed | xxxxxx | 2025-08-12 19:58 | 2025-09-18 13:15 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Exception granted to allow roof coverage at actual cash value instead of replacement value. xxxxxx and the other section exceeds 15 years therefore insurer will only cover that portion up to actual cash value. Waiver applied to non-material finding with compensating factors of which borrower has significant reserves to be able to cover difference between replacement cost and cash value. - Due Diligence Vendor-09/18/2025 <br> Counter-Received commentary regarding the replacement cost-finding remains-Client provided an email from the insurance agent stating Foremost would cover the roof for replacement if the age of the roof is less than 15 years at the time of loss, if over 15 years that would be based on ACV. Guidelines state Policies with actual cash value (ACV) loss settlement are not acceptable. No documentation provided to support the age of the roof. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/15/2025 <br> Counter-Received replacement cost-HOI policy reflects Replacement Cost Exclusion Roof-indicating policy only provide actual cash value due to older roof-policy must cover replacement cost. HOI must meet requirements of guidelines Section 16 - Due Diligence Vendor-08/20/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per guides property insurance policies must have replacement cost loss settlement. HOI policy appears to have an exclusion on roofs that are 15 years or older (indicated in the Coverage and Endorsement Section of the policy). - Due Diligence Vendor-08/12/2025 |  | Waived--Exception granted to allow roof coverage at actual cash value instead of replacement value. xxxxxx 2 years ago and the other section exceeds 15 years therefore insurer will only cover that portion up to actual cash value. Waiver applied to non-material finding with compensating factors of which borrower has significant reserves to be able to cover difference between replacement cost and cash value. - Due Diligence Vendor-09/18/2025 | DSCR % greater than 1.20 - DSCR = 1.625<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 101 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844170 | xxxxxx C B A | Closed | xxxxxx | 2025-09-19 13:04 | 2025-09-25 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-After further review, the lender's guidelines allow for prepays in xxxxxx for loan amounts above $xxxxxx - Due Diligence Vendor-09/25/2025 <br> Counter-Prepayment allowed on 3-4 unit properties only - Loan amount >$xxxxxx and permitted only on 3-4 residential units per state restrictions. Finding remains. - Due Diligence Vendor-09/24/2025 <br> Open-Prepayment allowed on 3-4 unit properties only - Subject is a xxxxxx unit. - Due Diligence Vendor-09/19/2025 |  | Resolved-After further review, the lender's guidelines allow for prepays in xxxxxx for loan amounts above $xxxxxx. - Due Diligence Vendor-09/25/2025 | DSCR % greater than 1.20 - DSCR is 1.52. <br>LTV is less than guideline maximum - LTV 65% LTV. Allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844170 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 13:39 | 2025-09-19 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow Appraisal with comps and adjustments > 25%, Non-material waiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/25/2025 <br> Open-Property Issues are identified for the property Comp Sales 2 & 3 have net adjustments >15%, Comp Sales 4 & 5 have gross adjustments >25%, and Comp 6 is an active listing with a net adjustment >15%. We would like to request an exception for the large comp adjustments referenced on the appraisal. - Due Diligence Vendor-09/17/2025 |  | Waived-Client exception granted to allow Appraisal with comps and adjustments > 25%, Non-material waiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/25/2025<br>| DSCR % greater than 1.20 - DSCR is 1.52. <br>LTV is less than guideline maximum - LTV 65% LTV. Allowed 70% | 1. DSCR is 1.52. 2. LTV 65% LTV. Allowed 70%. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844211 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 22:07 | 2025-11-19 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. . - Due Diligence Vendor-11/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The guidelines state a gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. The credit report is dated 08/11/2025. The subject loan closed on xxxxxx. - Due Diligence Vendor-11/15/2025 |  | Resolved-Received Gap report. . - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 720. Borrower's qualifying FICO score is 792. Required is 720 Borrower has 792<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 19.4%. Required is 50 Borrower has 19.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 844241 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844389 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 07:55 | 2025-09-18 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received original Appraisal and all required transfer documents. - Due Diligence Vendor-09/18/2025 <br> Counter-Received delivery and transfer letter-missing paid invoice for transferred appraisal. - Due Diligence Vendor-09/16/2025 <br> Counter-Received proof of delivery within 3 days--missing paid invoice for transferred appraisal. - Due Diligence Vendor-09/15/2025 <br> Counter-Received confirmation 2 appraisal considered. Missing Paid Invoice and Proof of Appraisal Delivery Date for transferred appraisal dated xxxxxx - Due Diligence Vendor-09/05/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Desk review dated xxxxxx must be after final appraisal date of xxxxxx - Due Diligence Vendor-08/29/2025 |  | Resolved-Received original Appraisal and all required transfer documents. - Due Diligence Vendor-09/18/2025<br>| Long term residence - Borrower at current residence since xxxxxx. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844389 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 08:20 | 2025-09-15 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received revised fraud report. - Due Diligence Vendor-09/15/2025 <br> Counter-Received fraud report-missing real estate agents, escrow agent. - Due Diligence Vendor-09/05/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Interested parties to the transaction (such as seller, broker, loan officer, xxxxxx, partner, etc.) must be checked against exclusionary lists - Due Diligence Vendor-08/29/2025 |  | Resolved-Received revised fraud report. - Due Diligence Vendor-09/15/2025<br>| Long term residence - Borrower at current residence since xxxxxx. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844389 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 08:20 | 2025-09-15 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received revised fraud report. - Due Diligence Vendor-09/15/2025 <br> Counter-Received fraud report-missing real estate agents, escrow agent. - Due Diligence Vendor-09/05/2025 <br> Open-OFAC Check Not Completed and/or Cleared Borrowers/Guarantors who are Foreign Nationals must be screened against the OFAC sanctioned countries list - Due Diligence Vendor-08/29/2025 |  | Resolved-Received revised fraud report. - Due Diligence Vendor-09/15/2025<br>| Long term residence - Borrower at current residence since xxxxxx. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844389 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 08:20 | 2025-09-15 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received revised fraud report. - Due Diligence Vendor-09/15/2025 <br> Open-Missing Third Party Fraud Report A criminal background check and xxxxxx completed by xxxxxx utilizing xxxxxx and xxxxxx or similar common industry method is required. - Due Diligence Vendor-08/29/2025 |  | Resolved-Received revised fraud report. - Due Diligence Vendor-09/15/2025<br>| Long term residence - Borrower at current residence since xxxxxx. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 13:06 | 2025-10-10 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-10/10/2025 <br> Counter-Received estimated settlement statement-please provide certified final settlement statement. - Due Diligence Vendor-10/07/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final settlement statement missing - Due Diligence Vendor-09/25/2025 |  | Resolved-Received final settlement statement. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 11:39 | 2025-10-07 11:25 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received liability coverage reflecting sufficient Fidelity coverage. - Due Diligence Vendor-10/07/2025 <br> Counter-The crime coverage of xxxxxx is insufficient per xxxxxx guidelines. - Due Diligence Vendor-10/02/2025 <br> Counter-Received duplicate master HOI and liability - Fidelity/Crime coverage not reflecting. Finding remains. - Due Diligence Vendor-09/29/2025 <br> Open-Fidelity Coverage not met. master condo policy does not show fidelity coverage - Due Diligence Vendor-09/25/2025 |  | Resolved-Received liability coverage reflecting sufficient Fidelity coverage. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 12:06 | 2025-10-07 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/07/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Only an OFAC check was completed on borrower and borrower's business entity (p. 666-667) only - Due Diligence Vendor-09/25/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 12:06 | 2025-10-07 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC on borrower business entity. - Due Diligence Vendor-09/29/2025 <br> Open-OFAC Check Not Completed and/or Cleared OFAC check completed on borrower and borrower's business entity (p. 666-667) only - Due Diligence Vendor-09/25/2025 |  | Resolved-Received OFAC on borrower business entity. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 12:06 | 2025-10-07 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete Fraud Report. - Due Diligence Vendor-10/07/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/25/2025 |  | Resolved-Received complete Fraud Report. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 11:36 | 2025-10-01 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received signed Guaranty Agreement. - Due Diligence Vendor-10/01/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty is missing the borrower's signature - Due Diligence Vendor-09/26/2025 |  | Resolved-Received signed Guaranty Agreement. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 11:42 | 2025-09-29 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free lettter provided. - Due Diligence Vendor-09/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent-free letter from property owner (letter provided by borrower is not acceptable)<br> - Due Diligence Vendor-09/26/2025 |  | Resolved-Rent free lettter provided. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844414 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 11:49 | 2025-09-29 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Property profile included for another xxxxxx that as been owned since xxxxxx, p. 732. - Due Diligence Vendor-09/29/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Borrower does not have a history of owning and managing non-owner occupied residential real estate for at least one (1) year in the last three (3) years. Other REO was purchased in xxxxxx. No other active mortgages in the past 12 months are reporting on the credit report. - Due Diligence Vendor-09/26/2025 |  | Resolved-Property profile included for another xxxxxx that as been owned since xxxxxx, p. 732. - Due Diligence Vendor-09/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 761 FICO<br>DSCR % greater than 1.20 - DSCR 1.573 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844447 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 11:30 | 2025-12-11 11:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client provided a waiver for xxxxxx with xxxxxx, applied to non material finding with comp factors. Comparables of appraisal are similar to subject unit and has no marketability concern. - Due Diligence Vendor-12/11/2025 <br> Open--Square footage is less than 500 sq ft. - Due Diligence Vendor-12/11/2025 |  | Waived-Client provided a waiver for xxxxxx with xxxxxx sq ft, applied to non material finding with comp factors. Comparables of appraisal are similar to subject unit and has no marketability concern. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 640 required<br>LTV is less than guideline maximum - 70% LTV, program allows 75%<br>Months Reserves exceed minimum required - 101 months reserves documented, 3 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844447 | xxxxxx D B A | Closed | xxxxxx | 2025-08-29 17:33 | 2025-12-09 15:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Client provided a waiver for INVESTOR CONCENTRATION OVER 60% (81.25%), applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025 <br> Open-Investor concentration over 60% at 81.25%. Lender exception in file. - Due Diligence Vendor-08/29/2025 |  | Waived-Client provided a waiver for INVESTOR CONCENTRATION OVER 60% (81.25%), applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 640 required<br>LTV is less than guideline maximum - 70% LTV, program allows 75%<br>Months Reserves exceed minimum required - 101 months reserves documented, 3 months required | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br>| ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844447 | xxxxxx D B A | Closed | xxxxxx | 2025-08-28 08:35 | 2025-09-16 10:51 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received revised HO6 reflecting sufficient rent loss-confirming paid. - Due Diligence Vendor-09/16/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. 6 months rent loss insurance required. Coverage provided is insufficient - Due Diligence Vendor-08/28/2025 |  | Resolved-Received revised HO6 reflecting sufficient rent loss-confirming paid. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 640 required<br>LTV is less than guideline maximum - 70% LTV, program allows 75%<br>Months Reserves exceed minimum required - 101 months reserves documented, 3 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844447 | xxxxxx D B A | Closed | xxxxxx | 2025-08-28 08:35 | 2025-09-16 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-09/16/2025 <br> Open-Missing Condo Master Insurance Policy. Subject to review and possible additional conditions - Due Diligence Vendor-08/28/2025 |  | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 640 required<br>LTV is less than guideline maximum - 70% LTV, program allows 75%<br>Months Reserves exceed minimum required - 101 months reserves documented, 3 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844447 | xxxxxx D B A | Closed | xxxxxx | 2025-08-28 07:46 | 2025-09-11 18:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Client exception granted, waiver applied with comp factors for INVESTOR CONCENTRATION OVER 60% (81.25%). Deemed non material - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/11/2025 <br> Counter-Received HOA Questionnaire-Investor concentration exceeds 60% missing confirmation meets Section 17 of guidelines. HOA Questionnaire reflects xxxxxx within the project and remediation not provided. - Due Diligence Vendor-09/08/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. xxxxxx's Condo HOA Questionnaire Full Review Form FM-259 or a substantially similar questionnaire is required - Due Diligence Vendor-08/28/2025 |  | Resolved-Client exception granted, waiver applied with comp factors for INVESTOR CONCENTRATION OVER 60% (81.25%). Deemed non material - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 640 required<br>LTV is less than guideline maximum - 70% LTV, program allows 75%<br>Months Reserves exceed minimum required - 101 months reserves documented, 3 months required | LTV/CLTV 5% or more below the maximum allowed<br> Credit Score 10 points > minimum required: 801 (700)<br> Reserves exceeded requirement by 2 months or more: 99 (2);<br> 0x30 for 24 months on all mortgages;<br> Current primary home ownership > 2 years: 8.5 years; <br> Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-28 12:51 | 2025-11-26 07:19 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/26/2025 <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 $733.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $733.50 (Rate Lock Extension) 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 $733.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year - Expiration xxxxxx<br> - Due Diligence Vendor-10/28/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/26/2025 | Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-29 08:48 | 2025-11-17 10:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR validating proof of payments received. - Due Diligence Vendor-11/17/2025 <br> Counter-For clarification-guidelines 2.5.5.3 require a third party VOR and if private party must include 6 months proof of payment. - Due Diligence Vendor-11/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for the borrower (checks provided) A third-party VOR is required. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received VOR validating proof of payments received. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-29 09:01 | 2025-11-17 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-29 09:01 | 2025-11-17 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 2 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-29 09:24 | 2025-11-17 10:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received validation of assets. - Due Diligence Vendor-11/17/2025 <br> Counter-Received closing statement dated xxxxxx reflecting seller proceeds of xxxxxx-settlement statement does not reflect the property addressed nor disbursement date. (Review is considering xxxxxx proceeds in available assets) - Due Diligence Vendor-11/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Assets are Insufficient. Provide sufficient assets for closing with complete statements to support proof of transfer of funds. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received validation of assets. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-29 09:38 | 2025-11-17 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received validation of sufficient funds for closing and reserves. - Due Diligence Vendor-11/17/2025 <br> Counter-Received closing statement dated xxxxxx reflecting seller proceeds of xxxxxx-settlement statement does not reflect the property addressed nor disbursement date. (Review is considering xxxxxx proceeds in available assets) - Due Diligence Vendor-11/10/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s). Provide sufficient assets for reserves. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received validation of sufficient funds for closing and reserves. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844577 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-29 09:22 | 2025-11-17 10:02 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received validation of sufficient funds for closing and reserves. - Due Diligence Vendor-11/17/2025 <br> Counter-Received closing statement dated xxxxxx reflecting seller proceeds of xxxxxx-settlement statement does not reflect the property addressed nor disbursement date. (Review is considering xxxxxx proceeds in available assets) - Due Diligence Vendor-11/10/2025 <br> Counter-Received HUD-1s not reflecting buyers as sellers. Provide sufficient assets per guidelines 2.6 - Due Diligence Vendor-11/04/2025 <br> Open-Total Qualified Assets Post-Close amount is 'xxxxxx'. Assets are Insufficient. Provide sufficient assets for closing with complete statements to support proof of transfer of funds. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received validation of sufficient funds for closing and reserves. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - 33.70% DTI below max allowed of 50%<br>LTV is less than guideline maximum - LTV is 25.42% and max allowed is 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844654 | xxxxxx B A | Closed | xxxxxx | 2025-09-08 10:33 | 2025-09-08 13:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/08/2025 <br> Open-Exception approved: Investor concentration exceeding 60%. Non-Material: Over 40% equity. Granted at 55.82% LTV - Due Diligence Vendor-09/08/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - 87.78 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 55.82% LTV. Allowed 65%. | 1. LTV 55.82% LTV. Allowed 65%. 2. 87.78 months reserves; 6 months reserves required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844680 | xxxxxx D A C | Closed | xxxxxx | 2025-10-03 14:57 | 2025-10-07 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-After further review, the owner's business occupies units xxxxxx, which is allowed per guidelines. - Due Diligence Vendor-10/07/2025 <br> Open-DSCR loan is not eligible for an owner occupied property. Per Appraisal Narrative The owner now occupies Units xxxxxx but designates the owner's space as Unit xxxxxx only. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the owner's business occupies units xxxxxx which is allowed per guidelines. - Due Diligence Vendor-10/07/2025 | Months Reserves exceed minimum required - 84 months of reserves; 6 mos required<br>DSCR % greater than 1.20 - DSCR 1.285 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844680 | xxxxxx D A C | Closed | xxxxxx | 2025-10-06 09:24 | 2025-10-07 12:01 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal Report. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Appraisal uploaded for lender. - Due Diligence Vendor-10/06/2025 <br> Open-Appraisal is corrupt or encrypted - Due Diligence Vendor-10/06/2025 |  | Resolved-Received Appraisal Report. - Due Diligence Vendor-10/07/2025<br>| Months Reserves exceed minimum required - 84 months of reserves; 6 mos required<br>DSCR % greater than 1.20 - DSCR 1.285 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844712 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 13:57 | 2025-11-07 07:16 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-The appraisal includes 5 comps, 2 appear to have higher gross adjustments; however 3 comps have adjustments within acceptable limits. The desk review confirms there were no other more similar comps to the subject. Comparable 2 is most similar with an xxxxxx, similar to an ADU. - Due Diligence Vendor-11/07/2025 <br> Open-Property Issues are identified for the property Appraiser needs to address in detail reason for Gross Adjustments over 25% for Comps 3 & 4. <br> Appraiser to address: Effect that both ADU and out building have on marketability of subject. <br> Address if there are any ADU units with livable outbuildings like subject. <br> Address that improvements are typical for the market through an analysis of at least one comparable with same use and same number ADU/out buildings. - Due Diligence Vendor-11/03/2025 |  | Resolved-The appraisal includes 5 comps, 2 appear to have higher gross adjustments; however 3 comps have adjustments within acceptable limits. The desk review confirms there were no other more similar comps to the subject. Comparable 2 is most similar with an apartment, similar to an ADU. - Due Diligence Vendor-11/07/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has more than $40,000 in residual income, $3,250 minimum residual income required.<br>LTV is less than guideline maximum - LTV is at 60% - Max is 75%<br>Months Reserves exceed minimum required - We need 3 mos reserves - we have 107.08 mos in reserves |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844712 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 15:51 | 2025-11-04 09:08 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Client waiver applied to non-material finding with compensating factors. It should be noted that the loan file contains an email from the insurance provider confirming the policy is a replacement cost policy. Additionally, the borrower's DTI ratio is more than 30% below the maximum allowed. - Due Diligence Vendor-11/04/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Exception in file to allow a hazard insurance policy with replacement coverage with no Replacement Coverage Estimator. - Due Diligence Vendor-11/03/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. It should be noted that the loan file contains an email from the insurance provider confirming the policy is a replacement cost policy. Additionally, the borrower's DTI ratio is more than 30% below the maximum allowed. - Due Diligence Vendor-11/04/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has more than $40,000 in residual income, $3,250 minimum residual income required.<br>LTV is less than guideline maximum - LTV is at 60% - Max is 75%<br>Months Reserves exceed minimum required - We need 3 mos reserves - we have 107.08 mos in reserves | LTV/CLTV 10% or more below the maximum allowed under the applicable guidelines.<br> Residual income more than 2.5x the amount required by guides. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844712 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 08:14 | 2025-11-04 09:03 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/07/2025 <br> Open-Borrower Citizenship Documentation Is Missing Lender exception to allow expired EAD Card with I-765 document. - Due Diligence Vendor-11/04/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Additionally, the borrower's DTI ratio is more than 30 points below the maximum allowed. - Due Diligence Vendor-11/07/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has more than $40,000 in residual income, $3,250 minimum residual income required.<br> LTV is less than guideline maximum - LTV is at 60% - Max is 75%<br> Months Reserves exceed minimum required - We need 3 mos reserves - we have 107.08 mos in reserves | LTV/CLTV 10% or more below the maximum allowed under the applicable guidelines.<br> Residual income more than 2.5x the amount required by guides. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844813 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 09:46 | 2025-09-26 16:12 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal/1007. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Appraisal is Missing with 1007 Fair Market Rent. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 | Resolved-Received appraisal/1007. - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - LTV 69.31% LTV. Allowed 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 791; guidelines require 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844823 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 11:55 | 2025-10-15 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received xxxxxx statement dated within 30 days of Note date - sufficient reserves. - Due Diligence Vendor-10/15/2025 <br> Counter-Received a xxxxxx statement dated 6/30-must meet guidelines 2.6.2 and be dated within 30 days of Note date-finding remains. - Due Diligence Vendor-10/10/2025 <br> Open-Audited Reserves of 3.55 month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-10/01/2025 |  | Resolved-Received xxxxxx statement dated within 30 days of Note date - sufficient reserves. - Due Diligence Vendor-10/15/2025<br>| Long term residence - Borrower has resided at primary residence for more than 8 years. <br>DSCR % greater than 1.20 - DSCR is 1.44. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844937 | xxxxxx C B A | Closed | xxxxxx | 2025-09-09 14:50 | 2025-09-22 11:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client provided a waiver investor concentration within condo >60%, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025 <br> Open-Investor concentration allowed up to 60%. This project has 91%. A higher percentage may be considered when the subject transaction is an investment property when a history of a high percentage of rental units in the project can be demonstrated.<br> - Due Diligence Vendor-09/09/2025 |  | Waived-Client provided a waiver investor concentration within condo >60%, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 769; guidelines require 700. <br>DSCR % greater than 1.20 - DSCR 1.25. | Credit Score 30+ points > minimum required <br> DSCR > 1.15<br> 0x30 for 48 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844986 | xxxxxx D B A | Closed | xxxxxx | 2025-08-22 15:53 | 2025-09-15 14:58 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated 1003 provided confirming number of years at current residence. - Due Diligence Vendor-09/15/2025 <br> Counter-Review did not receive corrected 1003 as noted on 9/11 rebuttal. <br> - Due Diligence Vendor-09/15/2025 <br> Counter-Rent free letter does not confirm the length the borrower has been living rent free. - Due Diligence Vendor-09/11/2025 <br> Counter-Received corrected 1003-reflecting no primary housing for 2 years. Missing Rent Free Letter. - Due Diligence Vendor-09/08/2025 <br> Open-The 1003 reflects the borrower has been living at the primary residence for 0 years and no other history was provided. - Due Diligence Vendor-08/22/2025 |  | Resolved-Updated 1003 provided confirming number of years at current residence. - Due Diligence Vendor-09/15/2025<br>| DSCR % greater than 1.20 - DSCR 1.412 is greater than 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - 695 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844986 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 11:34 | 2025-09-09 11:01 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-The request for an exception to xxxxxx's eligibility criteria is granted - Due Diligence Vendor-09/09/2025 <br> Counter-Received business purpose affidavit- A letter explaining the use of loan proceeds is required for all transactions-as required in guidelines page 9. - Due Diligence Vendor-09/02/2025 <br> Open-Missing letter of explanation for cash out, investment. - Due Diligence Vendor-08/20/2025 |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted - Due Diligence Vendor-09/09/2025 | DSCR % greater than 1.20 - DSCR 1.412 is greater than 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - 695 Qualifying FICO score is at least 20 points above 660 minimum for program | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844986 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 12:03 | 2025-09-08 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | Applied for New Credit on or before this loan application according to the 1003 declaration | Resolved-Received corrected 1003-no new debt declaration corrected. - Due Diligence Vendor-09/08/2025 <br> Open-Borrower applied for New Credit on or before the loan application according to the 1003 declaration. Provide documentation for new credit as noted on 1003 declarations (p. 685). - Due Diligence Vendor-08/20/2025 |  | Resolved-Received corrected 1003-no new debt declaration corrected. - Due Diligence Vendor-09/08/2025<br>| DSCR % greater than 1.20 - DSCR 1.412 is greater than 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - 695 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844986 | xxxxxx D B A | Closed | xxxxxx | 2025-08-22 15:23 | 2025-09-08 13:05 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025 <br> Open-Missing secondary valuation, desk review. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025<br>| DSCR % greater than 1.20 - DSCR 1.412 is greater than 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - 695 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845183 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845188 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845190 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845284 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 17:33 | 2025-09-29 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax report. - Due Diligence Vendor-09/29/2025 <br> Open-Missing Evidence of Property Tax Missing calculation for final escrowed tax amount showing on settlement statement - Due Diligence Vendor-09/22/2025 |  | Resolved-Received tax report. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit Score 30+ points from the minimum required of 660. <br>Months Reserves exceed minimum required - Borrower reserves exceed the minimum of reserves required of 2. Borrower currently over 41 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845284 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 17:38 | 2025-09-29 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI. - Due Diligence Vendor-09/29/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing lender/title calculation for monthly HOI escrowed amount to match the settlement statement. Policy premium in file does not align. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received HOI. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit Score 30+ points from the minimum required of 660. <br>Months Reserves exceed minimum required - Borrower reserves exceed the minimum of reserves required of 2. Borrower currently over 41 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845284 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 15:28 | 2025-09-22 17:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow 70% LTV. Non-material waiver applied with comp factors. Deemed non-material due to less than 5% over maximum. - Due Diligence Vendor-09/22/2025 <br> Open-Audited LTV of 69.87% exceeds Guideline LTV of 65% Has 2x30 on subject - Due Diligence Vendor-09/18/2025 |  | Waived-Client exception granted to allow 70% LTV. Non-material waiver applied with comp factors. Deemed non-material due to less than 5% over maximum. - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit Score 30+ points from the minimum required of 660. <br>Months Reserves exceed minimum required - Borrower reserves exceed the minimum of reserves required of 2. Borrower currently over 41 months of reserves. | Exception approved on file. - Credit score 30+ points from minimum required, borrower is an experienced investor, and Reserves Exceed requirement by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845300 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 07:10 | 2025-09-23 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-After further review, a loan agreement is not required per guidelines. - Due Diligence Vendor-09/23/2025 <br> Counter-Received Guarantee-please provide Loan Agreement. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing Loan Agreement - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025 | Resolved-After further review, a loan agreement is not required per guidelines. - Due Diligence Vendor-09/23/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.088 minimum DSCR 0.00.<br>LTV is less than guideline maximum - LTV 54.35 % max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845300 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 07:10 | 2025-09-23 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-document attached to the other condition - Seller-09/18/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-09/08/2025 | Ready for Review-document attached to the other condition - Seller-09/18/2025 | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-09/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.088 minimum DSCR 0.00.<br>LTV is less than guideline maximum - LTV 54.35 % max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845300 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 07:20 | 2025-09-09 09:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/09/2025 <br> Open-Lender Exception- exception request for investor concentration exceeding 60%. - Due Diligence Vendor-09/08/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.088 minimum DSCR 0.00.<br>LTV is less than guideline maximum - LTV 54.35 % max 75%. | none provided by lender | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 845377 | xxxxxx C B A | Closed | xxxxxx | 2025-10-02 08:46 | 2025-10-14 11:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Client provided a waiver for credit report 121 days old, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). 121 days old - Due Diligence Vendor-10/02/2025 |  | Waived-Client provided a waiver for credit report 121 days old, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 123 months are higher than 2 months required <br>DSCR % greater than 1.20 - 1.23 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more<br> DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 845397 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 14:14 | 2025-09-22 14:17 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow cash in hand over allowed limit . Non-material waiver applied with comp factors. Deemed non-material due to low LTV still sufficient equity. - Due Diligence Vendor-09/22/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Max cash in hand $300K, borrower cash in hand $609K - Due Diligence Vendor-09/22/2025 |  | Waived-Originator exception granted to allow cash in hand over allowed limit . Non-material waiver applied with comp factors. Deemed non-material due to low LTV still sufficient equity. - Due Diligence Vendor-09/22/2025<br>| LTV is less than guideline maximum - LTV 60% max 65%.<br>DSCR % greater than 1.20 - DSCR 1.22 | LTV 60%<br> DSCR 1.2 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 845434 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 11:44 | 2025-09-24 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received executed Personal Guaranty. - Due Diligence Vendor-09/24/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Signed in the name of an LLC. - Due Diligence Vendor-09/03/2025 |  | Resolved-Received executed Personal Guaranty. - Due Diligence Vendor-09/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 vs. 700 min FICO<br>Months Reserves exceed minimum required - >132 months available vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845456 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 16:47 | 2025-09-24 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Asset documentation was provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Asset account statements associated with borrower not provided. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025 | Resolved-Asset documentation was provided. - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - LTV 39% is lower than max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 749 with required 640<br>DSCR % greater than 1.20 - DSCR 2.016 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845456 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 17:56 | 2025-09-23 13:57 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset documentation was provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements xxxxxx account for wire was not provided and short reserves. (no bank statements were in file.) - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025 | Resolved-Asset documentation was provided. - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - LTV 39% is lower than max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 749 with required 640<br>DSCR % greater than 1.20 - DSCR 2.016 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845456 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 17:50 | 2025-09-22 18:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. deemed non material due to 8 of 12 months provided.<br> - Due Diligence Vendor-09/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Guidelines call for 12-month proof of pay history for the rent-free property - we have 8 payments<br> - Due Diligence Vendor-09/22/2025 |  | Waived-Client exception granted, waiver applied with comp factors. deemed non material due to 8 of 12 months provided.<br> - Due Diligence Vendor-09/22/2025<br>| LTV is less than guideline maximum - LTV 39% is lower than max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 749 with required 640<br>DSCR % greater than 1.20 - DSCR 2.016 | Low LTV<br> DSCR < 1.50<br> Mortgages Paid as agreed. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845456 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 18:00 | 2025-09-22 18:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-09/22/2025 <br> Open-2-4 unit not allowed in xxxxxx. - Due Diligence Vendor-09/22/2025 |  | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-09/22/2025<br>| LTV is less than guideline maximum - LTV 39% is lower than max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 749 with required 640<br>DSCR % greater than 1.20 - DSCR 2.016 | Low LTV<br> DSCR < 1.50<br> Mortgages Paid as agreed. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845500 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845504 | xxxxxx C A | Closed | xxxxxx | 2025-09-08 10:57 | 2025-09-30 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-After further review, this is not a guideline requirement. - Due Diligence Vendor-09/30/2025 <br> Counter-B2 is not spousal only but borrower-purchase contract addendum required. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. see comments from broker - Seller-09/24/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided.- b2 missing on purchase contract. xxxxxx should be on purchase contract. provided addendum. B2 is on Note and mortgage. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. see comments from broker - Seller-09/24/2025 | Resolved-After further review, this is not a guideline requirement. - Due Diligence Vendor-09/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.84; minimum DSCR 0.00.<br>Long term residence - Long Term Residence = 9+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845504 | xxxxxx C A | Closed | xxxxxx | 2025-09-08 11:18 | 2025-09-18 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received CPA letter confirming ownership in business account used for EMD. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. sufficient funds - Seller-09/15/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. sufficient funds - Seller-09/15/2025 | Resolved-Received CPA letter confirming ownership in business account used for EMD. - Due Diligence Vendor-09/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.84; minimum DSCR 0.00.<br>Long term residence - Long Term Residence = 9+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845504 | xxxxxx C A | Closed | xxxxxx | 2025-09-08 11:11 | 2025-09-18 09:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received passport confirming B2 is account holder. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements-xxxxxx bank acct xxxxxx anbd xxxxxx has an additional account holder who is not listed as a borrower. provided access letter from additional account holder stating the borrower has full access to the funds in the accounts.<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025 | Resolved-Received passport confirming B2 is account holder. - Due Diligence Vendor-09/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.84; minimum DSCR 0.00.<br>Long term residence - Long Term Residence = 9+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845504 | xxxxxx C A | Closed | xxxxxx | 2025-09-08 11:11 | 2025-09-18 09:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required asset ownership documentations - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements- xxxxxx bank acct xxxxxx anbd xxxxxx has an additional account holder who is not listed as a borrower. provided access letter from additional account holder stating the borrower has full access to the funds in the accounts.<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025 | Resolved-Upon further review, the loan file contained all required asset ownership documentations - Due Diligence Vendor-09/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.84; minimum DSCR 0.00.<br>Long term residence - Long Term Residence = 9+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845504 | xxxxxx C A | Closed | xxxxxx | 2025-09-08 11:11 | 2025-09-18 09:56 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received CPA letter confirming ownership in business account. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-12268.04'. Assets are Insufficient.- cannot used EMD funds as they were from foreign account and Foreign account is not in borrowers 1 or 2 name. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025 | Resolved-Received CPA letter confirming ownership in business account. - Due Diligence Vendor-09/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.84; minimum DSCR 0.00.<br>Long term residence - Long Term Residence = 9+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845520 | xxxxxx C B A | Closed | xxxxxx | 2025-10-03 16:40 | 2025-10-06 10:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors for LTV, FICO, and Reserves (+6); mtg has 12 mos paid as agreed, with no lates, documented in file; borrower has an additional mortgage reporting on the credit report with 0x30x12 months. - Due Diligence Vendor-10/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per guides, for mortgages not reporting on credit report, 12-months loan payment history from the creditor/servicer is required, including proof of borrower's payment for the most recent 6-months. Loan file contains an exception for the missing proof of payment for most recent 6-months of housing history on primary residence.<br> - Due Diligence Vendor-10/03/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors for LTV, FICO, and Reserves (+6); mtg has 12 mos paid as agreed, with no lates, documented in file; borrower has an additional mortgage reporting on the credit report with 0x30x12 months. - Due Diligence Vendor-10/04/2025<br>| Months Reserves exceed minimum required - 8 months of reserves, 2 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 732; guidelines require 640. <br>LTV is less than guideline maximum - LTV 75% LTV. Allowed 80% | 75% LTV (-5%)<br> Qualifying FICO score 732 (+32) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845535 | xxxxxx C A | Closed | xxxxxx | 2025-10-07 10:05 | 2025-10-16 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guides require verification of the subject property only. - Due Diligence Vendor-10/16/2025 <br> Counter-Extension provided. VOM provided is not for the borrowers primary residence. Please provide VOM with 6 most recent payments for the borrowers primary residence. - Due Diligence Vendor-10/16/2025 <br> Counter-Received commentary but no attachment-please re upload those noted on 10/8 - Due Diligence Vendor-10/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing: <br> (1) Copy of the Note for the previous mortgage to verify that it was a balloon note and was not due prior to the recent modification in file <br> (2) 12 months mortgage history for the borrower's primary residence-no primary home info was provided<br> - Due Diligence Vendor-10/07/2025 |  | Resolved-After further review, the guides require verification of the subject property only. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 689. Min FICO required is 660.<br>Months Reserves exceed minimum required - Borrower has 12 months reserves. Guidelines require 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845535 | xxxxxx C A | Closed | xxxxxx | 2025-10-07 09:47 | 2025-10-08 14:04 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Upon further review, appraisal comment there was an issue, nothing further is required. - Due Diligence Vendor-10/08/2025 <br> Open-Appraiser to comment if the subject property has smoke and carbon dioxide detectors as required by the state laws. - Due Diligence Vendor-10/07/2025 |  | Resolved-Upon further review, appraisal comment there was an issue, nothing further is required. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 689. Min FICO required is 660.<br>Months Reserves exceed minimum required - Borrower has 12 months reserves. Guidelines require 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845554 | xxxxxx D A | Closed | xxxxxx | 2025-09-09 12:53 | 2025-09-25 11:34 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received bank statement reflecting sufficient assets. - Due Diligence Vendor-09/25/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-118995.93'. Assets are Insufficient. - Due Diligence Vendor-09/09/2025 |  | Resolved-Received bank statement reflecting sufficient assets. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.118%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 783 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845554 | xxxxxx D A | Closed | xxxxxx | 2025-09-09 12:25 | 2025-09-22 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-09/09/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.118%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 783 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845555 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 12:58 | 2025-09-22 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing. - Due Diligence Vendor-09/10/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - 53.94 Months of reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 783; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845577 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 12:12 | 2025-09-22 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit/Disclosure Missing - Due Diligence Vendor-09/10/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - 127.59 months of reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 783; guidelines require 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845719 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845726 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845769 | xxxxxx C A | Closed | xxxxxx | 2025-08-29 14:21 | 2025-09-25 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the CCD was pad by the Seller at closing. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter-Title may confirm the fee and confirm not in a PUD. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-For this type of fee, we've not had the appraiser add this to the special assessment, Can this be reviewed to see if it can be waived. - Seller-09/16/2025 <br> Counter-Appraiser to provide commentary and confirmation of CDD fees as appears to be special assessments. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-The property is not located in a PUD the CDD fees have to do with the xxxxxx and has to do with development of public infrastructure. Please see the purchase contract for additional details. - Seller-09/02/2025 <br> Open-The appraisal states the subject is not in a PUD, per the CDD notice in the file the property is subject to estimated annual CDD fees of $2,400.00. Appraiser to confirm the subject property is not located in a PUD, if located in a a PUD, page 1 of the appraisal needs to be updated. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Ready for Review-For this type of fee, we've not had the appraiser add this to the special assessment, Can this be reviewed to see if it can be waived. - Seller-09/16/2025 <br> Ready for Review-The property is not located in a PUD the CDD fees have to do with the xxxxxx and has to do with development of public infrastructure. Please see the purchase contract for additional details. - Seller-09/02/2025 | Resolved-Upon further review, the CCD was pad by the Seller at closing. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.04 ; minimum DSCR 1.00<br>Months Reserves exceed minimum required - 30.97 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845769 | xxxxxx C A | Closed | xxxxxx | 2025-08-26 15:43 | 2025-09-25 10:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Notice of Termination. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Property Title Issue 1. Obtain and record a release of Post Closing Memorandum for xxxxxx from xxxxxx, for the Post-Closing Memorandum by and between xxxxxx limited liability company, and xxxxxx limited liability company, recorded in Official Records Book xxxxxx. Paqe xxxxxx. 2. Record Notice of Termination pursuant to Section 713.132 F.S. terminating the Notice of Commencement recorded xxxxxx in Official Records Book xxxxxx, Page xxxxxx, of the Public Records of xxxxxx. 3. Executed Contractor's Final Affidavit & Release of Lien. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Received Notice of Termination. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.04 ; minimum DSCR 1.00<br>Months Reserves exceed minimum required - 30.97 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845814 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845855 | xxxxxx C A | Closed | xxxxxx | 2025-09-23 15:25 | 2025-10-07 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation primary residence is xxxxxx unit and lease provided-experienced investor. - Due Diligence Vendor-10/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements First Time Investor and borrower only has 12 months mortgage history, VOR needed for 36 months history to be complete. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received confirmation primary residence is xxxxxx unit and lease provided-experienced investor. - Due Diligence Vendor-10/07/2025 | Credit history exceeds minimum required - Has at least three accounts with 4+ years of activity |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845972 | xxxxxx B A | Closed | xxxxxx | 2025-09-22 12:50 | 2025-09-23 20:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-09/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The loan is a xxxxxx rate and term refinance. The concern is there is $41,816.65 in default interest on the payoff. The VOM shows 68 months reviewed with no late payments. The note reflects that is an ARM but there was no balloon. The title work reflects that the loan has not been modified. The LOE from the borrower said that it was due to the rate adjusting and he didn't realize he was supposed to be paying more each month. - Due Diligence Vendor-09/22/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-09/24/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.131 DSCR exceeds minimum<br>LTV is less than guideline maximum - 65% LTV max - loan has 48.51% LTV | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Total debt payment reduced more than $1,000 per month<br> Transaction is a rate and term refinance<br> DSCR > 1.3 (DSCR is actually 1.131 - per 1008) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845974 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 11:06 | 2025-11-17 15:35 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Note provided, which supports no required payments from origination until the balloon payment due date which was xxxxxx. The payoff demand also supports the accrued interest from xxxxxx origination date through closing was collected and paid in full at closing. - Due Diligence Vendor-11/17/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide Missing housing History for subject property, mortgage recorded xxxxxx. - Due Diligence Vendor-11/05/2025 |  | Resolved-Note provided, which supports no required payments from origination until the balloon payment due date which was xxxxxx. The payoff demand also supports the accrued interest from April origination date through closing was collected and paid in full at closing. - Due Diligence Vendor-11/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 660<br>Months Reserves exceed minimum required - 35 months reserves > 5 required.<br>Qualifying DTI below maximum allowed - The Borrowers DTI is 29%; guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845974 | xxxxxx C B A | Closed | xxxxxx | 2025-11-04 20:39 | 2025-11-17 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Note provided, which supports no required payments from origination until the balloon payment due date which was xxxxxx. The payoff demand also supports the accrued interest from xxxxxx origination date through closing was collected and paid in full at closing. - Due Diligence Vendor-11/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Missing housing History for subject property, mortgage recorded xxxxxx. - Due Diligence Vendor-11/05/2025 |  | Resolved-Note provided, which supports no required payments from origination until the balloon payment due date which was xxxxxx. The payoff demand also supports the accrued interest from April origination date through closing was collected and paid in full at closing. - Due Diligence Vendor-11/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 660<br>Months Reserves exceed minimum required - 35 months reserves > 5 required.<br>Qualifying DTI below maximum allowed - The Borrowers DTI is 29%; guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845974 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 15:03 | 2025-11-12 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase appraisal fee. Finding Resolved. - Due Diligence Vendor-11/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $995.00.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 $995 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $995, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date xxxxxx. <br> - Due Diligence Vendor-11/03/2025 |  | Resolved------Received COC for increase appraisal fee. Finding Resolved. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 660<br>Months Reserves exceed minimum required - 35 months reserves > 5 required.<br>Qualifying DTI below maximum allowed - The Borrowers DTI is 29%; guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845974 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 10:52 | 2025-11-11 12:55 | Resolved | 1 - Information B A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the PUD rider on page 484 is for a different property. - Due Diligence Vendor-11/11/2025 <br> Open-DOT shows subject is a PUD however neither appraisal shows this, they are both marked as a SFR. - Due Diligence Vendor-11/05/2025 |  | Resolved-Upon further review, the PUD rider on page 484 is for a different property. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 660<br>Months Reserves exceed minimum required - 35 months reserves > 5 required.<br>Qualifying DTI below maximum allowed - The Borrowers DTI is 29%; guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845974 | xxxxxx C B A | Closed | xxxxxx | 2025-11-04 18:22 | 2025-11-05 11:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted to allow 1 of 3 parcels being recorded with our mortgage . Non-material waiver applied with comp factors. Deemed non-material due to parcels were split up, subject is residential in nature per appraiser. - Due Diligence Vendor-11/05/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject has three subdivided parcels(originally part of the xxxxxx-acre parent tract to be recorded. The only parcel being financed - and thus serving as collateral is the xxxxxx acre tract identified in the appraisal and survey. Recording the remaining two non-collateral parcels would create unnecessary cost and delay without providing any additional legal or collateral protection to xxxxxx or the lender. The xxxxxx acre tract meets this standard. It has a recorded metes-and-bounds survey, a new appraisal specific to that tract, and a title policy insuring first-lien position. The subject is located in a xxxxxx, unincorporated are outside any zoning authority, subdivision regulation or HOA - Due Diligence Vendor-11/04/2025 |  | Waived-Client exception granted to allow 1 of 3 parcels being recorded with our mortgage . Non-material waiver applied with comp factors. Deemed non-material due to parcels were split up, subject is residential in nature per appraiser. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 660<br>Months Reserves exceed minimum required - 35 months reserves > 5 required.<br>Qualifying DTI below maximum allowed - The Borrowers DTI is 29%; guideline maximum is 50%. | Borrower exhibits excellent credit history.<br> Conservative leverage with stable income. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845989 | xxxxxx C A | Closed | xxxxxx | 2025-09-04 11:39 | 2025-09-09 16:16 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received confirmation of new account opened. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-account xxxxxx was just set up to hold the reserves required by a foreign national, in a xxxxxx account. They are not required to have them in the account for 30 days only that it has to be a xxxxxx account. foreign accounts are not allowed for reserves. This account meets our lender guidelines. Please review and see if you can clear this condition. xxxxxx. Please see ACH payment form and letter from borrower included in the loan package. - Seller-09/08/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements - Missing a full 30-day history for account ending in xxxxxx - Due Diligence Vendor-09/05/2025 | Ready for Review-account xxxxxx was just set up to hold the reserves required by a foreign national, in a xxxxxx account. They are not required to have them in the account for 30 days only that it has to be a xxxxxx account. foreign accounts are not allowed for reserves. This account meets our lender guidelines. Please review and see if you can clear this condition. xxxxxx. Please see ACH payment form and letter from borrower included in the loan package. - Seller-09/08/2025 | Resolved-Received confirmation of new account opened. - Due Diligence Vendor-09/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.08 ; minimum DSCR 1.00.<br>Months Reserves exceed minimum required - 35.19 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845997 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 10:07 | 2025-09-09 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025 <br> Counter-Amendment to the Operating Agreement of xxxxxx provided, however 100% membership was transferred to xxxxxx. Missing the Business documentation for xxxxxx. Layered is allowed to 1. Personal Guarantor must own at lease 25%. Personal guarantor must have signing rights for both LLC's. Series LLCs are not permitted. - Due Diligence Vendor-09/05/2025 <br> Open-Missing Operating Agreement and Certificate of Good Standing - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Reserves = 107.71 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 65% - Max LTV = 75%<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845998 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 10:05 | 2025-09-09 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025 <br> Counter-Amendment to the Operating Agreement of xxxxxx provided, however 100% membership was transferred to xxxxxx Missing the Business documentation for xxxxxx Layered is allowed to 1. Personal Guarantor must own at lease 25%. Personal guarantor must have signing rights for both LLC's. Series LLCs are not permitted. - Due Diligence Vendor-09/05/2025 <br> Open-Missing Operating Agreement and Certificate of Good Standing - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - 107 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 65% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846001 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 12:25 | 2025-09-09 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025 <br> Counter-Amendment to the Operating Agreement of xxxxxx provided, however 100% membership was transferred to xxxxxx Missing the Business documentation for xxxxxx Layered is allowed to 1. Personal Guarantor must own at lease 25%. Personal guarantor must have signing rights for both LLC's. Series LLCs are not permitted. - Due Diligence Vendor-09/05/2025 <br> Open--Missing Operating Agreement and Certificate of Good Standing - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - LTV = 65% - Max LTV = 75%<br>Months Reserves exceed minimum required - 107.78 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846004 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 10:22 | 2025-09-09 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025 <br> Counter-Amendment to the Operating Agreement of xxxxxx provided, however 100% membership was transferred to xxxxxx Missing the Business documentation for xxxxxx Layered is allowed to 1. Personal Guarantor must own at lease 25%. Personal guarantor must have signing rights for both LLC's. Series LLCs are not permitted. - Due Diligence Vendor-09/05/2025 <br> Open--Missing Operating Agreement and Certificate of Good Standing - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - 108 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 64.45% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846005 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846012 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 10:50 | 2025-09-09 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025 <br> Counter-Amendment to the Operating Agreement of xxxxxx provided, however 100% membership was transferred to xxxxxx Missing the Business documentation for xxxxxx Layered is allowed to 1. Personal Guarantor must own at lease 25%. Personal guarantor must have signing rights for both LLC's. Series LLCs are not permitted. - Due Diligence Vendor-09/05/2025 <br> Open-Missing Operating Agreement and Certificate of Good Standing - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the business documentation was provided in the original zip file. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - 109.21 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 65% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846014 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 14:09 | 2025-09-30 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Commitment and Final Title. - Due Diligence Vendor-09/30/2025 <br> Counter-Received final Title Policy-please provide preliminary report considered in underwriting. - Due Diligence Vendor-09/26/2025 <br> Open-Title Document is missing Missing evidence of title insurance. - Due Diligence Vendor-09/10/2025 |  | Resolved-Received Commitment and Final Title. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score 660. Borrower's FICO score is 734.<br>LTV is less than guideline maximum - LTV 65.62%. Guideline maximum 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846090 | xxxxxx D A | Closed | xxxxxx | 2025-08-27 12:32 | 2025-09-26 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Missing Letter of explanation on hazard insurance policy the insured mailing address : xxxxxx. borrower is foreign national. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Received LOE. - Due Diligence Vendor-09/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.02 minimum DSCR 1.00.<br>Months Reserves exceed minimum required - 69.59 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846090 | xxxxxx D A | Closed | xxxxxx | 2025-08-27 12:31 | 2025-09-04 17:43 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-After further review, the xxxxxx does not include a xxxxxx. - Due Diligence Vendor-09/04/2025 <br> Open-Per Appraiser - 1) appears to have a ADU appraiser reflects as xxxxxx unit detached- pics of xxxxxx on pdg 392-393, xxxxxx. per xxxxxx on a xxxxxx that is not an ADU if a basement has a xxxxxx and it not permitted ADU, it considered illegal unit by lenders. to satisfy xxxxxx xxxxxx <br> 2nd) pics pdf 29 - xxxxxx in form - cost to cure on 1st page is none. see pdf 21 addendum. at time of inspection xxxxxx. see grid for cost to cure which is none. - Due Diligence Vendor-08/27/2025 |  | Resolved-After further review, the basement xxxxxx does not include a xxxxxx. - Due Diligence Vendor-09/04/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.02 minimum DSCR 1.00.<br>Months Reserves exceed minimum required - 69.59 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846109 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846166 | xxxxxx B A | Closed | xxxxxx | 2025-10-27 12:15 | 2025-10-31 13:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client Waiver applied to Non-Material Prepayment Penalty not permitted to to be charged to an LLC. - Due Diligence Vendor-10/31/2025 <br> Open-Prepayment Penalty Issue. Prepayment Penalty Issue. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-10/27/2025 |  | Waived-Client Waiver applied to Non-Material Prepayment Penalty not permitted to to be charged to an LLC. - Due Diligence Vendor-10/31/2025<br>| DSCR % greater than 1.20 - DSCR greater than 1.20. DSCR is 1.476<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 712 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 846167 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 11:51 | 2025-11-19 17:06 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------ Compliant xxxxxx Subprime - APR on subject loan of 7.257% is within allowable threshold of APOR of 6.63% + 1.75%, or 8.38%. - Due Diligence Vendor-11/19/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime - APR on subject loan of 7.257% is within allowable threshold of APOR of 6.63% + 1.75%, or 8.38%. - Due Diligence Vendor-11/18/2025 |  | Resolved------ Compliant xxxxxx Subprime - APR on subject loan of 7.257% is within allowable threshold of APOR of 6.63% + 1.75%, or 8.38%. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Months Reserves exceed minimum required - 8 months > 6 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846281 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846315 | xxxxxx C B A | Closed | xxxxxx | 2025-09-10 14:25 | 2025-09-11 10:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow first time investor purchasing xxxxxx unit, Non-materialwaiver applied with comp factors. non-material due to mortgage history. - Due Diligence Vendor-09/11/2025 <br> Open-DSCR loan does not meet program guidelines. Due to borrower is a First Time Investor and property type is a xxxxxx unit. First Time Investors are eligible with xxxxxx unit only.<br> Lender Exception with comp factors to allow first time investor buying xxxxxx units. applied to non-material finding. - Due Diligence Vendor-09/10/2025 |  | Waived-Client exception granted to allow first time investor purchasing xxxxxx unit, Non-materialwaiver applied with comp factors. non-material due to mortgage history. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30 >than 20 months | -Credit Score 30+ points > minimum required<br> - Current primary home ownership > 2 years<br> -0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846406 | xxxxxx D A | Closed | xxxxxx | 2025-09-08 12:36 | 2025-10-06 12:17 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received revised appraisal with C2 condition. - Due Diligence Vendor-10/06/2025 <br> Open-Appraiser comments subject is in C4 condition on page 1 but the grid shows C2 and makes adjustments based on C2 condition rating. Appraiser to clarify the discrepancy and adjust as necessary. Additional findings may apply. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received revised appraisal with C2 condition. - Due Diligence Vendor-10/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Qualifying DSCR 1.155; minimum required 0.750<br>LTV is less than guideline maximum - Qualifying LTV 65%; max 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846406 | xxxxxx D A | Closed | xxxxxx | 2025-09-08 12:14 | 2025-09-30 14:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received confirmation the operating agreement received is correct. - Due Diligence Vendor-09/30/2025 <br> Counter-Received xxxxxx Operating Agreement reflecting different members dated same date as Operating Agreement received in file. Page 2 differs-provide confirmation operating agreement received is correct. - Due Diligence Vendor-09/22/2025 <br> Counter-Guidelines state - Personal guarantor must own at least 25% of the SubordinateLLC - Due Diligence Vendor-09/15/2025 <br> Open-The Business Entity Formation Document is incomplete Missing all LLC documentation for xxxxxx listed as a 10% owner on the vested owning LLC Operating Agreement. Guarantor must be at least 25% owner of the subordinate LLC. Additional findings may apply. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received confirmation the operating agreement received is correct. - Due Diligence Vendor-09/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Qualifying DSCR 1.155; minimum required 0.750<br>LTV is less than guideline maximum - Qualifying LTV 65%; max 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846406 | xxxxxx D A | Closed | xxxxxx | 2025-09-06 12:10 | 2025-09-15 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, an unexpired Passport is sufficient. - Due Diligence Vendor-09/15/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing evidence borrower can enter the xxxxxx legally with a valid and unexpired xxxxxx issued visa. Passport only in file. - Due Diligence Vendor-09/08/2025 |  | Resolved-Upon further review, an unexpired Passport is sufficient. - Due Diligence Vendor-09/15/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Qualifying DSCR 1.155; minimum required 0.750<br>LTV is less than guideline maximum - Qualifying LTV 65%; max 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846421 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 08:30 | 2025-10-01 15:27 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received corrected appraisal with updated total number of units. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. revised appraisal report - appraiser corrected and condo questionnaire and report now mirror/match units of xxxxxx - Seller-10/01/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. The questionnaire reflects the subject has a total of xxxxxx units, the appraidal reflects xxxxxx units. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. revised appraisal report - appraiser corrected and condo questionnaire and report now mirror/match units of xxxxxx - Seller-10/01/2025 | Resolved-Received corrected appraisal with updated total number of units. - Due Diligence Vendor-10/01/2025<br>| LTV is less than guideline maximum - Qualifying LTV is 70%, guidelines require 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 745 guideline requires 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846451 | xxxxxx C A | Closed | xxxxxx | 2025-10-03 09:41 | 2025-10-08 13:35 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-After further review, there is no deficiency noted by the appraiser, nothing further is needed. - Due Diligence Vendor-10/08/2025 <br> Counter-xxxxxx required for securitization-finding remains. - Due Diligence Vendor-10/07/2025 <br> Open-xxxxxx missing. Additional findings may apply. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, there is no deficiency noted by the appraiser, nothing further is needed. - Due Diligence Vendor-10/08/2025<br>| CLTV is less than guidelines maximum - Max CLTV 75% / Subject CLTV 70%<br>Long term residence - Long term residence of 10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846451 | xxxxxx C A | Closed | xxxxxx | 2025-10-03 10:48 | 2025-10-07 11:47 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required asset documentations. - Due Diligence Vendor-10/07/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Please provide printout of foreign accounts translated to English and verified in xxxxxx Dollar equivalency at the current exchange rate via either http://www.xe.com or the Wall Street Journal conversion table. Additional findings may apply. - Due Diligence Vendor-10/03/2025 |  | Resolved-Upon further review, the loan file contained all required asset documentations. - Due Diligence Vendor-10/07/2025<br>| CLTV is less than guidelines maximum - Max CLTV 75% / Subject CLTV 70%<br>Long term residence - Long term residence of 10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846488 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 10:37 | 2025-11-14 13:00 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Upon further review 2 AVM's in file. 1008 reflects lower AVM used. - Due Diligence Vendor-10/07/2025 <br> Open-Appraisal is Missing - xxxxxx AVM cannot be used because it exceeds the acceptable FSD score range. 0.00 to 0.10- The AVM is 0.11. Not allowed per guides. - Due Diligence Vendor-10/03/2025 |  | Resolved-Upon further review 2 AVM's in file. 1008 reflects lower AVM used. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 744<br>Months Reserves exceed minimum required - 0 required, subject 43 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846488 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 11:38 | 2025-11-06 08:19 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-After further review, the guides allow for charge-offs to remain open with sufficient verified reserves to cover the balance, which has been verified. - Due Diligence Vendor-11/06/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements A collection with xxxxxx for $xxxxxx DLA 5/18 shows unpaid on the credit report. The subject loan did not pay this collection. Per the applicable guides Individual collection and non-mortgage charge-off accounts equal to or greater than $250, and accounts that total more than $2,000, must be paid in full prior to or at closing. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the guides allow for charge-offs to remain open with sufficient verified reserves to cover the balance, which has been verified. - Due Diligence Vendor-11/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 744<br>Months Reserves exceed minimum required - 0 required, subject 43 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846488 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 15:33 | 2025-10-15 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-After further review, the xxxxxx guide allow for the short form title on loan amount below $250K. - Due Diligence Vendor-10/15/2025 <br> Counter-Clear to close and Title Preview Summary provided. Please provide the Title Documents for review. - Due Diligence Vendor-10/07/2025 <br> Open-Title Document is missing Title doc is missing Per guides prelim title is required. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the xxxxxx guide allow for the short form title on loan amount below $250K. - Due Diligence Vendor-10/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 744<br>Months Reserves exceed minimum required - 0 required, subject 43 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846489 | xxxxxx B A | Closed | xxxxxx | 2025-09-25 17:54 | 2025-09-25 17:54 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-09/25/2025 <br> Open-no legal president yet or clear determination if xxxxxx will consider these types of entities as the same as S Corp or C Corp - Due Diligence Vendor-09/25/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score is 640 - actual score is 762<br>DSCR % greater than 1.20 - DSCR IS 1.995 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846504 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846525 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-09-10 09:49 | 2025-12-09 18:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-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% ($470.50) exceed the comparable charges ($390.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).-----Ten (10%) tolerance fees (Recording Fee) increased by $41.50 without a valid COC in file. Lender credit of $51.50 for closing cost above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-12/09/2025 <br> Open-\*\*\*NEW\*\*\*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% ($470.50) exceed the comparable charges ($390.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).-----Ten (10%) tolerance fees (Recording Fee) increased by $41.50 without a valid COC in file. Lender credit of $51.50 for closing cost above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-09/10/2025 |  | Resolved-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% ($470.50) exceed the comparable charges ($390.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).-----Ten (10%) tolerance fees (Recording Fee) increased by $41.50 without a valid COC in file. Lender credit of $51.50 for closing cost above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-09-10 09:49 | 2025-10-03 11:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CDs xxxxxx, finidng resolved. - Due Diligence Vendor-10/03/2025 <br> Counter-Received COCs xxxxxx however, we are missing CDs provided to borrower within three days of these changes. Finding remains. - Due Diligence Vendor-09/22/2025 <br> Open-\*NEW\* on xxxxxx-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,197.52.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 $3197.52 (Loan Amount Points, Re-inspection fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $3187.52, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year, expiration date is xxxxxx. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received CDs xxxxxx, finidng resolved. - Due Diligence Vendor-10/03/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-09-10 09:49 | 2025-09-22 10:06 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease. - Due Diligence Vendor-09/22/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($51.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,754.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/10/2025 |  | Resolved-Received COC for decrease. - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-08-29 11:27 | 2025-09-19 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/09/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/29/2025 |  | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 05:31 | 2025-09-10 12:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-09/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-08/27/2025 |  | Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 06:34 | 2025-09-10 10:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx and disclosure tracking to confirm delivery. - Due Diligence Vendor-09/10/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. <br> - Due Diligence Vendor-08/27/2025 |  | Resolved-Received CD xxxxxx and disclosure tracking to confirm delivery. - Due Diligence Vendor-09/10/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846530 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 07:43 | 2025-08-27 07:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42%; max permitted 50%.<br>Months Reserves exceed minimum required - 77 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846552 | xxxxxx D B A | Closed | xxxxxx | 2025-09-26 08:48 | 2025-10-09 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement. - Due Diligence Vendor-10/09/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received guaranty agreement. - Due Diligence Vendor-10/09/2025<br>| DSCR % greater than 1.20 - DSCR 1.496<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846552 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 07:23 | 2025-10-09 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-09/29/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing No Business purpose or Occupancy Cert - Due Diligence Vendor-09/22/2025 |  | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-09/29/2025<br>| DSCR % greater than 1.20 - DSCR 1.496<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846552 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 08:04 | 2025-10-03 10:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding with compensating factors. Prepay in xxxxxx to an LLC. - Due Diligence Vendor-10/03/2025 <br> Open-Prepayment not allowed in xxxxxx for LLC. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-09/22/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Prepay in xxxxxx to an LLC. - Due Diligence Vendor-10/03/2025 | DSCR % greater than 1.20 - DSCR 1.496<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846552 | xxxxxx D B A | Closed | xxxxxx | 2025-09-20 10:13 | 2025-09-29 12:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-09/29/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal description is missing from DOT - Due Diligence Vendor-09/20/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-09/29/2025<br>| DSCR % greater than 1.20 - DSCR 1.496<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846552 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 07:46 | 2025-09-23 19:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-09/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lenders Exception for Rent free with Father. - Due Diligence Vendor-09/22/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-09/23/2025<br>| DSCR % greater than 1.20 - DSCR 1.496<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 10 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846572 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846658 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 11:32 | 2025-09-03 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator provided a waiver for Condo project investor concentration of 72%, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. attached PC exception to clear item.<br> xxxxxx.<br>- Seller-09/02/2025 <br> Open-Investor concentration is 72%. Guideline max is 60% unless a history of a high percentage of rental units in the project can be demonstrated. Provide documentation to support that the xxxxxx project has a history of high percentage of rental units. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. attached PC exception to clear item.<br> xxxxxx.<br>- Seller-09/02/2025 | Waived-Originator provided a waiver for Condo project investor concentration of 72%, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - Borrower has 50 months reserves. Guidelines require 6 months.<br>DSCR % greater than 1.20 - DSCR is 1.48. Mn DSCR is 1. | DSCR: 1.48%<br> Borrower is long term homeowner<br> Reserves: 50 months verified | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846687 | xxxxxx D A | Closed | xxxxxx | 2025-09-09 12:22 | 2025-09-26 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received policy invoice confirming premium. - Due Diligence Vendor-09/26/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing premium - Due Diligence Vendor-09/09/2025 |  | Resolved-Received policy invoice confirming premium. - Due Diligence Vendor-09/26/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 70%<br>Months Reserves exceed minimum required - 7.13 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846687 | xxxxxx D A | Closed | xxxxxx | 2025-09-05 18:34 | 2025-09-19 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025 <br> Open-Borrower is a Non-Permanent Resident Allen. Missing EAD card and borrower does not have a valid Social Security number. - Due Diligence Vendor-09/05/2025 |  | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 70%<br>Months Reserves exceed minimum required - 7.13 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846687 | xxxxxx D A | Closed | xxxxxx | 2025-09-05 18:16 | 2025-09-19 12:24 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Borrower has an ITIN Card. All borrowers must have a valid Social Security Number, unless they meet the requirements listed for Foreign National Borrowers. ITINs are not acceptable. - Due Diligence Vendor-09/05/2025 |  | Resolved-After further review, the borrower is a foreign national. - Due Diligence Vendor-09/19/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 70%<br>Months Reserves exceed minimum required - 7.13 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846689 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:55 | 2025-10-08 10:03 | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-The title company confirmed these liens are not the borrowers, p. 130. Filing for $890 is not reflected on title. - Due Diligence Vendor-10/08/2025 <br> Counter-Please have Title confirm not our borrower. - Due Diligence Vendor-10/01/2025 <br> Counter-Abstract for xxxxxx superior Court. Pg 123 of the loan file provided. - Due Diligence Vendor-09/15/2025 <br> Open-Collections, liens or judgments not paid at closing. All judgements must be paid in full or in satisfactory status. Co-borrower reflects judgments on pages 123,124,559 for the following :<br> JUDGMENT NUMBER: xxxxxx DEBT: xxxxxx.<br> JUDGMENT NUMBER: xxxxxx DEBT: xxxxxx<br> Civil New Filing xxxxxx DEBT:xxxxxx - Due Diligence Vendor-09/14/2025 |  | Resolved-The title company confirmed these liens are not the borrowers, p. 130. Filing for $xxxxxx is not reflected on title. - Due Diligence Vendor-10/08/2025 | Months Reserves exceed minimum required - Borrower has 125.80 months of reserves and only needs 6 months to qualify.<br>LTV is less than guideline maximum - LTV is 64.67% amd minimum allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846689 | xxxxxx D B A | Closed | xxxxxx | 2025-09-10 18:38 | 2025-09-24 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Passports for both borrowers provided. - Due Diligence Vendor-09/24/2025 <br> Open-The busines purpose loan application reflected the borrowers were not xxxxxx Citizens, not permanent residents, or foreign nationals. Please provide evidence of citizenship for both borrowers. Additional findings may apply. - Due Diligence Vendor-09/10/2025 |  | Resolved-Passports for both borrowers provided. - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - Borrower has 125.80 months of reserves and only needs 6 months to qualify.<br>LTV is less than guideline maximum - LTV is 64.67% amd minimum allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846689 | xxxxxx D B A | Closed | xxxxxx | 2025-09-06 11:45 | 2025-09-15 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Client confirmed 3 year declining. - Due Diligence Vendor-09/15/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. . - Due Diligence Vendor-09/06/2025 |  | Resolved-Client confirmed 3 year declining. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - Borrower has 125.80 months of reserves and only needs 6 months to qualify.<br>LTV is less than guideline maximum - LTV is 64.67% amd minimum allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846689 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:47 | 2025-09-10 18:11 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-xxxxxx PPP; If Held in an entity such as LLC, LP or Trust initial and final grade of B, waiver applied. Per xxxxxx law, a PPP can only be applied to loans closing in a C-Corp or S-Corp specifically. An LLC or individual cannot be assessed a PPP. - Due Diligence Vendor-09/10/2025 <br> Open-Prepayment Penalty Issue. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Subject loan is closed in an LLC. - Due Diligence Vendor-09/08/2025 |  | Waived-xxxxxx PPP; If Held in an entity such as LLC, LP or Trust initial and final grade of B, waiver applied. Per xxxxxx law, a PPP can only be applied to loans closing in a C-Corp or S-Corp specifically. An LLC or individual cannot be assessed a PPP. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - Borrower has 125.80 months of reserves and only needs 6 months to qualify.<br>LTV is less than guideline maximum - LTV is 64.67% amd minimum allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 846721 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 11:56 | 2025-10-06 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit - Due Diligence Vendor-10/06/2025 <br> Counter-Affiliatate rebuttal provided, however we are missing the Business Purpose Affidavit Disclosure - Due Diligence Vendor-09/30/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-09/25/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit - Due Diligence Vendor-10/06/2025<br>| LTV is less than guideline maximum - 75% LTV max - loan has 60.69% LTV<br>Months Reserves exceed minimum required - 2 months reserves required - borrower has 33.15 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846725 | xxxxxx C B A | Closed | xxxxxx | 2025-12-11 11:19 | 2025-12-11 11:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted to allow xxxxxx units to be less than 400 sq ft, Non-material waiver applied with comp factors. non-material due to value supported with third party. Appraisal makes note that units of this size are common in the area and has no impact on marketability. Comparables also reflect similar sized units. - Due Diligence Vendor-12/11/2025 <br> Open--Subject property is a xxxxxx unit property with xxxxxx units being less than 400 square feet; xxxxxx square feet. - Due Diligence Vendor-12/11/2025 |  | Waived-Originator exception granted to allow xxxxxx units to be less than 400 sq ft, Non-material waiver applied with comp factors. non-material due to value supported with third party. Appraisal makes note that units of this size are common in the area and has no impact on marketability. Comparables also reflect similar sized units. - Due Diligence Vendor-12/11/2025 | DSCR % greater than 1.20 - 2.168<br>LTV is less than guideline maximum - 27% LTV vs. max LTV 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846725 | xxxxxx C B A | Closed | xxxxxx | 2025-09-16 08:48 | 2025-09-18 12:46 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx everything was in my credit file referencing pgs 432/436 of your initial upload verifying the EIN for the LLC. i have uploaded it again for u to see :) xxxxxx . - Seller-09/16/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. xxxxxx everything was in my credit file referencing pgs 432/436 of your initial upload verifying the EIN for the LLC. i have uploaded it again for u to see :) xxxxxx . - Seller-09/16/2025 | Resolved-Received EIN - Due Diligence Vendor-09/18/2025<br>| DSCR % greater than 1.20 - 2.168<br>LTV is less than guideline maximum - 27% LTV vs. max LTV 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846734 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846800 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846808 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846811 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846851 | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 10:17 | 2025-10-08 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The matrix indicates a LTV reduction does not need to be applied for the xxxxxx. - Due Diligence Vendor-10/08/2025 <br> Counter-10.5 of the guidelines require a 5% LTV reduction. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. There is no adjustment for declining market for xxxxxx borrowers - Seller-10/02/2025 <br> Open-Audited LTV of 63.29% exceeds Guideline LTV of 60% Subject is in a declining market and requires a 5% LTV reduction (Max allowable 65%-5% = 60% on cashout refinance) - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. There is no adjustment for declining market for xxxxxx borrowers - Seller-10/02/2025 | Resolved-The matrix indicates a LTV reduction does not need to be applied for the xxxxxx. - Due Diligence Vendor-10/08/2025 | Months Reserves exceed minimum required - 137.99 months PITIA reserves; 6 months reserves required.<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846851 | xxxxxx C B A | Closed | xxxxxx | 2025-09-26 10:10 | 2025-09-29 10:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator waiver applied to non material finding with comp factor-lender exception required and in file-deemed non material<br> - Due Diligence Vendor-09/29/2025 <br> Open-Lender exception - to allowed for escrow waiver on xxxxxx. - Due Diligence Vendor-09/26/2025 |  | Waived-Originator waiver applied to non material finding with comp factor-lender exception required and in file-deemed non material<br> - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - 137.99 months PITIA reserves; 6 months reserves required.<br>Long term residence - Long Term Residence = 5+ years | Approved as is Max LTV 65<br> DSCR to be >=1 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846872 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 13:01 | 2025-09-25 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, the loan file contained all required escrow documentation. - Due Diligence Vendor-09/25/2025 <br> Open-Missing IEAD - Due Diligence Vendor-09/22/2025 |  | Resolved-Upon further review, the loan file contained all required escrow documentation. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. After closing - we have 137.16 months of reserves verified. <br>LTV is less than guideline maximum - LTV Max is 75% - we are at 32.10% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846872 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 11:22 | 2025-09-25 11:51 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received underwriting summary. - Due Diligence Vendor-09/25/2025 <br> Open-Missing Approval/Underwriting Summary UW did not see a lender/investor approval letter or 1008 (DSCR loan). - Due Diligence Vendor-09/23/2025 |  | Resolved-Received underwriting summary. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. After closing - we have 137.16 months of reserves verified. <br>LTV is less than guideline maximum - LTV Max is 75% - we are at 32.10% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846872 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 11:58 | 2025-09-23 12:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow unpermitted ADU, Non-material waiver applied with comp factors. non-material due to value supported, adu not given value and no health or safety issues reflected. - Due Diligence Vendor-12/11/2025 <br> Open-Property Issues are identified for the property Unpermitted ADU on the property - Due Diligence Vendor-09/23/2025 |  | Waived-Client exception granted to allow unpermitted ADU, Non-material waiver applied with comp factors. non-material due to value supported, adu not given value and no health or safety issues reflected. - Due Diligence Vendor-12/11/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. After closing - we have 137.16 months of reserves verified. <br>LTV is less than guideline maximum - LTV Max is 75% - we are at 32.10% LTV | LTV < 10% of the maximum / Credit score > 30 points from minimum | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 846877 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 19:24 | 2025-10-13 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/13/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-10/08/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 12.93 Months of reserves. <br>Credit history exceeds minimum required - Qualifying FICO score 713; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846881 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 10:36 | 2025-10-30 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received email and wire instructions confirmation that noted debt was paid off. - Due Diligence Vendor-10/30/2025 <br> Counter-No documents uploaded. Missing verification of acceptable payment history for $xxxxxx opened xxxxxx. Additional conditions may apply - Due Diligence Vendor-10/27/2025 <br> Open-\*NEW\* Received preliminary title reflecting multiple liens-missing verification of acceptable payment history for $xxxxxx opened xxxxxx, reflecting as #8 schedule B on preliminary title and paid through another closing per title. Additional conditions may apply - Due Diligence Vendor-10/24/2025 |  | Resolved-Received email and wire instructions confirmation that noted debt was paid off. - Due Diligence Vendor-10/30/2025<br>| Credit history exceeds minimum required - 216 months Credit history exceeds 24 months minimum required<br>Months Reserves exceed minimum required - 14.69 Months of reserves exceed 0 month required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846881 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 15:30 | 2025-10-24 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received confirmation from title 2 additional liens paid through another transaction. - Due Diligence Vendor-10/24/2025 <br> Counter-Received preliminary title effective date xxxxxx-schedule B reflects 3 open liens and final settlement only reflects 1 paid. Provide confirmation of schedule B 6-8 has been met. - Due Diligence Vendor-10/16/2025 <br> Counter-Received preliminary title report for property xxxxxx-provide preliminary title for subject. - Due Diligence Vendor-10/13/2025 <br> Open-Title Document is missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received confirmation from title 2 additional liens paid through another transaction. - Due Diligence Vendor-10/24/2025<br>| Credit history exceeds minimum required - 216 months Credit history exceeds 24 months minimum required<br>Months Reserves exceed minimum required - 14.69 Months of reserves exceed 0 month required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846894 | xxxxxx C B A | Closed | xxxxxx | 2025-05-22 11:37 | 2025-05-22 13:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV to 75% using STR, Non-material waiver applied with comp factors.. - Due Diligence Vendor-05/22/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception to proceed at 75% LTV for xxxxxx utilizing STR. - Due Diligence Vendor-05/22/2025 |  | Waived-Originator exception granted to allow LTV to 75% using STR, Non-material waiver applied with comp factors. non-material due to calculated DSCR is 1.184, exception is 5% to LTV and B1 has 13 months reserves. - Due Diligence Vendor-05/22/2025<br>| Long term residence - Per 1003 B1 & B2 living in primary home for over 13 years. <br>Months Reserves exceed minimum required - Verified assets of 13.63 months exceeds the minimum required of 0 months | 3+ months reserves.<br> 4+ years in primary residence. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846894 | xxxxxx C B A | Closed | xxxxxx | 2025-05-22 12:18 | 2025-05-22 13:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow DSCR below 1.2, Non-material waiver applied with comp factors. - Due Diligence Vendor-05/22/2025 <br> Open-The Calculated DSCR of '1.184' is less than the minimum DSCR per lender guidelines of '1.2'. Lender exception to allow less than 1.2 DSCR with LTV of 75% for xxxxxx using STR. - Due Diligence Vendor-05/22/2025 |  | Waived-Originator exception granted to allow DSCR below 1.2, Non-material waiver applied with comp factors. non-material due to calculated DSCR is 1.184 and B1 has 13 months reserves. - Due Diligence Vendor-05/22/2025 | Long term residence - Per 1003 B1 & B2 living in primary home for over 13 years. <br>Months Reserves exceed minimum required - Verified assets of 13.63 months exceeds the minimum required of 0 months | 3+ months reserves.<br> 4+ years in primary residence. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846895 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 15:14 | 2025-05-23 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Upon further review, the questionnaire provided disclose the estimated date for transfer. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-According to the Condo Questionnaire, the transfer will occur on xxxxxx. Per guidelines "The developer may be in control of the xxxxxx as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period." - Seller-05/21/2025 <br> Open-Builder is in control of HOA As per Condo Quest and Appraisal - Due Diligence Vendor-05/20/2025 | Ready for Review-According to the Condo Questionnaire, the transfer will occur on xxxxxx. Per guidelines "The developer may be in control of the xxxxxx as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period." - Seller-05/21/2025 | Resolved-Upon further review, the questionnaire provided disclose the estimated date for transfer. - Due Diligence Vendor-05/23/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.214<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 772. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846895 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 14:34 | 2025-05-20 15:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception in regards to seeking approval to use 80% of 1007. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/20/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender Exception Granted: Approved to proceed at 75% LTV, when max LTV for STR is 70%. Also, approved to proceed with 80% of 1007 rents without provided separate xxxxxx, since 1007 includes xxxxxx data. - Due Diligence Vendor-05/20/2025 |  | Waived-Originator exception in regards to seeking approval to use 80% of 1007. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/20/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.214<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 772. | 1. DSCR 1.2<br> 2. FICO 20+ points above minimum.<br> 3. 0X30 mortgage history 24m. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846896 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846900 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 17:45 | 2025-08-23 10:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client exception for Approved to have an appraisal transfer letter dated more than 60 days from the appraisal in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-08/23/2025 |  | Waived-Client exception for Approved to have an appraisal transfer letter dated more than 60 days from the appraisal in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-08/23/2025<br>| LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 66.05%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 746. | 1. FICO is 10+ point higher than minimum.<br> 2. LV is 5+% lower than max. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 847029 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 09:38 | 2025-10-14 10:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received confirmation of final coverage from title. - Due Diligence Vendor-10/14/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Coverage amount is not listed. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received confirmation of final coverage from title. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 7.95 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 756; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847029 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 10:29 | 2025-10-14 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received H06 policy. - Due Diligence Vendor-10/14/2025 <br> Counter-Received master policy-please provide HO6 policy. - Due Diligence Vendor-10/10/2025 <br> Open-HO-6 Insurance Policy is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received H06 policy. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 7.95 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 756; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847029 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 10:20 | 2025-10-10 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/10/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire Document is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - 7.95 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 756; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847029 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 09:38 | 2025-10-09 14:24 | Resolved | 1 - Information C A | Credit | Title | Property is a Leashold | Resolved-The property is leasehold with a valid lease term from xxxxxx - Due Diligence Vendor-10/09/2025 <br> Open-Property Rights are Lease Hold. - Due Diligence Vendor-10/08/2025 |  | Resolved-The property is leasehold with a valid lease term from xxxxxx - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - 7.95 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 756; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847040 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847051 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847064 | xxxxxx C A | Closed | xxxxxx | 2025-09-22 14:49 | 2025-09-23 09:22 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-After further review, Comps are within guidelines and all requirements are met. Appraiser sis comment in the report justifying the distances and the adjustments.- Condition resolved - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Appraisal meets GL requirements and all comps are supported and CDA supports valuation - as it is within 10% variance per GL requirements - appraisal and CDA requirements - property had an ADU that was not utilized in rentals and was used as a xxxxxx unit property - ADU has all required commentary requirements and the comps . Appraisal revisions are not required and the LTV is well below 50%. The valuation of the property is supported and within range . Per requirements. All guideline requirements are met per investor. There is sufficient commentary in report justifying the distance and adjustments within the appraisal report. CDA is 8.9 variance and per GL is acceptable as well. Please clear findings and report. - Seller-09/22/2025 <br> Open-The appraisal reflects a total of 4 comps, the closest comp is xxxxxx miles from the subject. Comp 3 and 4 have gross adjustmetns that exceed 25%. All comps have net adjustments from 12% to 32.7%. Comp 3 has liner adjustmetn for square footage that is greater than 10%. Desk review reflects 5 comps that are closer to the subject property. - Due Diligence Vendor-09/22/2025 | Ready for Review-Appraisal meets GL requirements and all comps are supported and CDA supports valuation - as it is within 10% variance per GL requirements - appraisal and CDA requirements - property had an ADU that was not utilized in rentals and was used as a xxxxxx unit property - ADU has all required commentary requirements and the comps . Appraisal revisions are not required and the LTV is well below 50%. The valuation of the property is supported and within range . Per requirements. All guideline requirements are met per investor. There is sufficient commentary in report justifying the distance and adjustments within the appraisal report. CDA is 8.9 variance and per GL is acceptable as well. Please clear findings and report. - Seller-09/22/2025 | Resolved-After further review, Comps are within guidelines and all requirements are met. Appraiser sis comment in the report justifying the distances and the adjustments.- Condition resolved - Due Diligence Vendor-09/23/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 778 AND MINIMUM IS 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847075 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 20:02 | 2025-10-06 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, UW LOE was located in the loan file.<br> - Due Diligence Vendor-10/06/2025 <br> Open-Missing letter of explanation from lender for $6,800 extension fee reflected on the payoff (p. 74). - Due Diligence Vendor-09/23/2025 |  | Resolved-Upon further review, UW LOE was located in the loan file.<br> - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO of 694 is greater than min 660 per guidelines<br>Months Reserves exceed minimum required - Per guides 0 months reserves required, however borrower has 4.39 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847105 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 10:40 | 2025-11-24 10:32 | Resolved | 1 - Information C A | Credit | Income/Employment | PTIN Prepared P&L | Resolved-Received confirmation tax preparer is xxxxxx and validation of license provided. - Due Diligence Vendor-11/24/2025 <br> Counter-No document provided. Guideline indicate a PTIN is not acceptable. - Due Diligence Vendor-11/20/2025 <br> Open-PTIN prepared the P&L. PTIN is not permitted. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received confirmation tax preparer is xxxxxx and validation of license provided. - Due Diligence Vendor-11/24/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.6<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847143 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847164 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 11:45 | 2025-10-09 11:38 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received updated SSR. - Due Diligence Vendor-10/09/2025 <br> Open-\*New\* SSR's provided. LCA Not eligible and could not be score. Please provide a desk review. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received updated SSR. - Due Diligence Vendor-10/09/2025<br>| DSCR % greater than 1.20 - DSCR 1.25<br>Months Reserves exceed minimum required - 2 month reserves needed. Reserve from cash back is 43.25 mos remaining. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847164 | xxxxxx C A | Closed | xxxxxx | 2025-09-25 16:42 | 2025-10-02 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received revised Appraisal. - Due Diligence Vendor-10/02/2025 <br> Open-Appraisal indicates Occupant is Owner when property has been leased as of 1/1/25. <br> Missing site value for subject on appraisal - Due Diligence Vendor-09/25/2025 |  | Resolved-Received revised Appraisal. - Due Diligence Vendor-10/02/2025<br>| DSCR % greater than 1.20 - DSCR 1.25<br>Months Reserves exceed minimum required - 2 month reserves needed. Reserve from cash back is 43.25 mos remaining. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847164 | xxxxxx C A | Closed | xxxxxx | 2025-09-25 12:45 | 2025-10-01 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-The subject property report confirms the borrower has owned the subject since xxxxxx and the primary residence since xxxxxx. The 1003 confirms she has lived at her primary for over 28 years. - Due Diligence Vendor-10/01/2025 <br> Counter-Title document provided, however we are missing evidence the subject has been utilized as an investment for the past 12 months - Due Diligence Vendor-09/30/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Experience Investor requires history of owning/managing non occupying property for at least 1 year in the past 3 years. Lease provided is dated xxxxxx - does not show a full 12 months of rental experience. Additional conditions may apply - Due Diligence Vendor-09/25/2025 |  | Resolved-The subject property report confirms the borrower has owned the subject since xxxxxx and the primary residence since xxxxxx. The 1003 confirms she has lived at her primary for over 28 years. - Due Diligence Vendor-10/01/2025 | DSCR % greater than 1.20 - DSCR 1.25<br>Months Reserves exceed minimum required - 2 month reserves needed. Reserve from cash back is 43.25 mos remaining. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847178 | xxxxxx C A B | Closed | xxxxxx | 2025-11-04 13:19 | 2025-11-13 11:09 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-11/13/2025 <br> Counter-Received rebuttal note indicating SSR CU score of 1 is available-review did not received SSR/CU-please upload for review. - Due Diligence Vendor-11/11/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. We are missing additional valuation products for appraisal. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 727 - Min FICO is 680 - 47 pts above<br>On time mortgage history exceeds guideline requirement - 0x30x84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847178 | xxxxxx C A B | Closed | xxxxxx | 2025-11-04 15:22 | 2025-11-13 11:08 | Resolved | 1 - Information B A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received clarification on 2 step EMD. - Due Diligence Vendor-11/11/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need addendum to sales contract fully executed for the additional EMD of $54,400 paid prior to closing which shows on final CD - Due Diligence Vendor-11/04/2025 |  | Resolved-Received clarification on 2 step EMD. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 727 - Min FICO is 680 - 47 pts above<br>On time mortgage history exceeds guideline requirement - 0x30x84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847178 | xxxxxx C A B | Closed | xxxxxx | 2025-11-03 14:57 | 2025-11-11 10:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd Revised CD and COC. Finding resolved. - Due Diligence Vendor-11/11/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($321.00) exceed the comparable charges ($214.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $107 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 $85.60 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-11/03/2025 |  | Resolved-Rec'd Revised CD and COC. Finding resolved. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 727 - Min FICO is 680 - 47 pts above<br>On time mortgage history exceeds guideline requirement - 0x30x84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847178 | xxxxxx C A B | Closed | xxxxxx | 2025-11-04 14:57 | 2025-11-11 09:14 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry - Due Diligence Vendor-11/11/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received credit inquiry - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 727 - Min FICO is 680 - 47 pts above<br>On time mortgage history exceeds guideline requirement - 0x30x84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847213 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 08:42 | 2025-09-16 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-09/16/2025 <br> Open-HO-6 Insurance Policy is Missing Missing HO6 Policy Dec Page. - Due Diligence Vendor-09/11/2025 |  | Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-09/16/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage payments are 0x30 for 41 months<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 791 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847213 | xxxxxx D B A | Closed | xxxxxx | 2025-09-09 14:52 | 2025-09-11 15:45 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Client waiver applied to non-material finding with compensating factors. Allowing basic form coverage. - Due Diligence Vendor-09/11/2025 <br> Open-Fidelity Coverage not met. Fidelity Coverage missing - Due Diligence Vendor-09/09/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Allowing basic form coverage. - Due Diligence Vendor-09/11/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage payments are 0x30 for 41 months<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 791 | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847213 | xxxxxx D B A | Closed | xxxxxx | 2025-09-09 15:20 | 2025-09-11 14:58 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Waived-Client waiver applied to non-material finding with compensating factors. Allowing basic coverage for condo master policy. - Due Diligence Vendor-09/11/2025 <br> Open-Missing Condo Master Insurance Policy. The file contains an Approved Exception allowing Basic Form Coverage. - Due Diligence Vendor-09/09/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Allowing basic coverage for condo master policy. - Due Diligence Vendor-09/11/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage payments are 0x30 for 41 months<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 791 | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847273 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847285 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847288 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 07:08 | 2025-11-07 11:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-11/07/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI: 50%, qualifying 38.8%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO min: 680, qualifying: 807<br>CLTV is less than guidelines maximum - Max CLTV 90,Qualifying 69.12 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847288 | xxxxxx C B A | Closed | xxxxxx | 2025-11-02 10:18 | 2025-11-02 10:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI: 50%, qualifying 38.8%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO min: 680, qualifying: 807<br>CLTV is less than guidelines maximum - Max CLTV 90,Qualifying 69.12 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 847299 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847313 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-08 14:08 | 2025-11-21 15:54 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime. - Due Diligence Vendor-11/21/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.089% is within allowable threshold of APOR of 6.32% + 3.75% or 10.07%. - Due Diligence Vendor-10/08/2025 |  | Resolved-Compliant xxxxxx Subprime. - Due Diligence Vendor-11/21/2025 | CLTV is less than guidelines maximum - CLTV is 60.82% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847313 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-09 08:27 | 2025-11-06 11:46 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-11/06/2025 <br> Counter-AVM provided has a Confidence score of 86%. Value is not supported. Please provide a Desk review. - Due Diligence Vendor-10/22/2025 <br> Counter-Please provide a secondary valuation product to support the appraised value used for qualification. - Due Diligence Vendor-10/15/2025 <br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements. Secondary Valuation product is dated prior to the Appraisal date. Provide a secondary valuation that supports value and is dated after the appraisal. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-11/06/2025<br>| CLTV is less than guidelines maximum - CLTV is 60.82% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847313 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-08 13:34 | 2025-10-15 17:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC. - Due Diligence Vendor-10/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $3,300.00 (Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $3,300.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-10/08/2025 |  | Resolved-Received COC. - Due Diligence Vendor-10/15/2025<br>| CLTV is less than guidelines maximum - CLTV is 60.82% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847313 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-09 08:29 | 2025-10-15 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Per Lender, the AVM was not used for qualification. - Due Diligence Vendor-10/15/2025 <br> Open-Property Issues are identified for the property. AVM Confidence score is below 90%. Acceptable FSD Score Range is 0.00 to 0.13 . - Due Diligence Vendor-10/09/2025 |  | Resolved-Per Lender, the AVM was not used for qualification. - Due Diligence Vendor-10/15/2025<br>| CLTV is less than guidelines maximum - CLTV is 60.82% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847313 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-09 08:46 | 2025-10-09 13:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow for - Allow social security and pension vs guideline cannot combine bank statement income with full doc social security income or other full doc income that is reported on 1099 due to 1099<br> transcripts requirements.. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/09/2025 <br> Open-Loan does not conform to program guidelines. Pension and social security income was combined with Bank Statement income.<br> Lender Exception Approval with compensating factors was provided to allow income for social security , pension and bank statements to be combined for qualification. - Due Diligence Vendor-10/09/2025 |  | Waived-Client exception granted to allow for - Allow social security and pension vs guideline cannot combine bank statement income with full doc social security income or other full doc income that is reported on 1099 due to 1099<br> transcripts requirements.. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/09/2025<br>| CLTV is less than guidelines maximum - CLTV is 60.82% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 720 | Credit Score - Credit Score 30+ points > minimum required<br> LTV/CLTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847318 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 04:35 | 2025-10-09 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-10/09/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - 90.42 months reserves exceed 2 months required.<br>LTV is less than guideline maximum - 50% LTV is less than 70% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847321 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847323 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847406 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 11:13 | 2025-10-01 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert. - Due Diligence Vendor-10/01/2025 <br> Open-Missing Evidence of Property Tax missing tax cert. unable to determine if current - Due Diligence Vendor-09/25/2025 |  | Resolved-Received Tax Cert. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 with required 680<br>LTV is less than guideline maximum - LTV 75% with allowable 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847406 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 14:42 | 2025-09-26 11:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Asset 1 Verified Sufficiently, 2 months in file, bank VOD. - Due Diligence Vendor-09/26/2025 <br> Open-Asset 1 Less Than 2 Months Verified There is only 1 month bank statements provided. Lender requires 2 months - Due Diligence Vendor-09/25/2025 |  | Resolved-Asset 1 Verified Sufficiently, 2 months in file, bank VOD. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 with required 680<br>LTV is less than guideline maximum - LTV 75% with allowable 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847497 | xxxxxx D A | Closed | xxxxxx | 2025-09-16 08:19 | 2025-09-26 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement Statement. - Due Diligence Vendor-09/26/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-09/16/2025 |  | Resolved-Received Settlement Statement. - Due Diligence Vendor-09/26/2025<br>| DSCR % greater than 1.20 - 1.271 FICO and minimum of 1 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 694 FICO exceeds 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847518 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 847579 | xxxxxx C B A | Closed | xxxxxx | 2025-10-08 13:28 | 2025-10-30 09:22 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/30/2025 <br> Counter-Client response: TRID guidelines does not quote what you are stating. If the Title Company is not the same Title Company or location listed on the SPL, all fees belong in section C and has an unlimited tolerance. <br> Audit response: per the CFPB § 1026.19(e)(3)(i) fees paid to an affiliate of the creditor are tested at 0% tolerance. Per the affiliated business disclosure in file, xxxxxx Settlement Services is an affiliate of the lender. Finding remains.<br> - Due Diligence Vendor-10/20/2025 <br> Counter-Client response: Fees in section C have an unlimited tolerance. The Title Agent on the SPL and final CD are not the same (different locations). Please waive. <br> Audit response: Since the payee for the fee is an affiliate of the lender it is tested at 0% tolerance. Finding remains. - Due Diligence Vendor-10/14/2025 <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 $100.00.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 $100.00 (Lien Cert Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $100.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year. Expiration date is xxxxxx<br> - Due Diligence Vendor-10/08/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 786 and minimum allowed 660.<br>Months Reserves exceed minimum required - Borrower has 547.94 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847579 | xxxxxx C B A | Closed | xxxxxx | 2025-10-08 12:41 | 2025-10-17 14:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage provided with legal description. - Due Diligence Vendor-10/17/2025 <br> Counter-Received Title missing Exhibit A. Document labeled as Legal Description does not provide legal disclosed on Title. - Due Diligence Vendor-10/15/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description addendum is missing from the DOT. - Due Diligence Vendor-10/08/2025 |  | Resolved-Mortgage provided with legal description. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 786 and minimum allowed 660.<br>Months Reserves exceed minimum required - Borrower has 547.94 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847579 | xxxxxx C B A | Closed | xxxxxx | 2025-10-09 10:19 | 2025-10-10 12:51 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx detector has issues | Resolved-After further review, nothing further is needed. - Due Diligence Vendor-10/10/2025 <br> Open-xxxxxx has issues. Missing evidence subject meets state xxxxxx alarm requirements as required by state fire safety laws and legislation. (appraiser did not comment). - Due Diligence Vendor-10/09/2025 |  | Resolved-After further review, nothing further is needed. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 786 and minimum allowed 660.<br>Months Reserves exceed minimum required - Borrower has 547.94 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847595 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 13:36 | 2025-11-04 09:17 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Meets guideline criteria - Due Diligence Vendor-11/04/2025 <br> Open-File contains an LCA that is <2.5, however, the CU was >2.5. Provide a desk review to support the value per guides - Due Diligence Vendor-10/30/2025 |  | Resolved-Meets guideline criteria - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 758 FICO, 680 required<br>Months Reserves exceed minimum required - 115 months reserves documented, 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847606 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 15:27 | 2025-10-10 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Document Uploaded. After further review, the guides require either the passport or the visa, not both. Unexpired passport received. - Due Diligence Vendor-10/10/2025 <br> Counter-Received duplicate copy of passport-missing unexpired Visa or I-94 form as required per guidelines page 11. - Due Diligence Vendor-10/08/2025 <br> Open-Borrower Citizenship Documentation Is Missing Passport in file missing unexpired Visa or I-94 form - Due Diligence Vendor-09/25/2025 |  | Resolved-Document Uploaded. After further review, the guides require either the passport or the visa, not both. Unexpired passport received. - Due Diligence Vendor-10/10/2025<br>| LTV is less than guideline maximum - 53% LTV with max allowable 75%<br>Long term residence - Long Term Residence = 14+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847606 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 13:46 | 2025-10-08 11:56 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received HOI reflecting sufficient rent loss coverage. - Due Diligence Vendor-10/08/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Hoi Dec page is not in file. (6 months rent loss required per guideline) - Due Diligence Vendor-09/25/2025 |  | Resolved-Received HOI reflecting sufficient rent loss coverage. - Due Diligence Vendor-10/08/2025<br>| LTV is less than guideline maximum - 53% LTV with max allowable 75%<br>Long term residence - Long Term Residence = 14+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847606 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 13:46 | 2025-10-08 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-10/08/2025 <br> Open-Missing Hazard Insurance Policy Missing HOI declaration page. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received HOI policy. - Due Diligence Vendor-10/08/2025<br>| LTV is less than guideline maximum - 53% LTV with max allowable 75%<br>Long term residence - Long Term Residence = 14+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847606 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 16:12 | 2025-09-25 16:59 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Client waiver applied to non material finding with comp factor. Statements have beginning and ending balance and client only requires 1 month - Due Diligence Vendor-09/25/2025 <br> Open-Asset 2 Less Than 2 Months Verified 2 months require per GL - Due Diligence Vendor-09/25/2025 |  | Waived-Client waiver applied to non material finding with comp factor. Statements have beginning and ending balance and client only requires 1 month - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - 53% LTV with max allowable 75%<br>Long term residence - Long Term Residence = 14+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 847606 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 14:29 | 2025-09-25 16:59 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Client waiver applied to non material finding with comp factor. Statements have beginning and ending balance and client only requires 1 month<br> - Due Diligence Vendor-09/25/2025 <br> Open-Asset 1 Less Than 2 Months Verified 2 months require per GL - Due Diligence Vendor-09/25/2025 |  | Waived-Client waiver applied to non material finding with comp factor. Statements have beginning and ending balance and client only requires 1 month<br> - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - 53% LTV with max allowable 75%<br>Long term residence - Long Term Residence = 14+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 847608 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847621 | xxxxxx D A | Closed | xxxxxx | 2025-09-19 17:27 | 2025-09-25 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated commitment. - Due Diligence Vendor-09/25/2025 <br> Open-Title Document is Incomplete The loan file is missing an addendum/supplement to the title for the correct loan amount of xxxxxx. - Due Diligence Vendor-09/19/2025 |  | Resolved-Received updated commitment. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 700 and the borrower has a 775 score.<br>Months Reserves exceed minimum required - Borrower verified 8.8 months of reserves, guides required a minimum of 2 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847632 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847638 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 12:53 | 2025-10-30 10:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Prepayment Rider. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 711; guidelines require 660. <br>Months Reserves exceed minimum required - 49.43 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847646 | xxxxxx C A | Closed | xxxxxx | 2025-09-24 14:47 | 2025-09-30 13:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Commitment w/sufficient coverage. - Due Diligence Vendor-09/30/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Commitment is missing loan amount updated to match note of xxxxxx - Due Diligence Vendor-09/24/2025 |  | Resolved-Received Commitment w/sufficient coverage. - Due Diligence Vendor-09/30/2025<br>| On time mortgage history exceeds guideline requirement - Per credit report, Borrower is an experienced investor who has demonstrated continuous mortgage history through ownership of multiple properties over the past 24 months with no mortgage lates, and guides allow up to 1x30x12 months for experienced investors.<br>Months Reserves exceed minimum required - 2 months reserves required - 11.2 months verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847678 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 11:08 | 2025-12-01 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 2nd lien Note. - Due Diligence Vendor-12/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Guidelines state a housing payment history is required for all Real Estate Owned (REO) evidencing the payment activity for the most recent 12-months. The loan file is missing the housing history for the second lien on the borrower's investment property. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received 2nd lien Note. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. Borrower's qualifying FICO score is 809. Required is 680 Borrower has 809<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 43.89%. Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Guideline maximum CLTV is 85%. Borrower has 64.42% CLTV. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847739 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 11:16 | 2025-10-09 14:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final title provided. - Due Diligence Vendor-10/09/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage xxxxxx is less than Total Amount of Subject Lien(s) xxxxxx. - Due Diligence Vendor-10/02/2025 |  | Resolved-Final title provided. - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - 56.30 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 815; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847785 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847807 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847813 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 17:48 | 2025-10-24 09:12 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-After further review, the xxxxxx visa is acceptable. Religious workers from xxxxxx. Also 2 years of residency is listed on the borrower's credit report. - Due Diligence Vendor-10/24/2025 <br> Open-Borrower is a non-permanent resident with a visa category of xxxxxx, which is not allowed (only R-1). Additionally, non-permanent residents are only allowed with 2 years of residency history, which was not provided. - Due Diligence Vendor-10/16/2025 |  | Resolved-After further review, the xxxxxx visa is acceptable. Religious workers from xxxxxx. Also 2 years of residency is listed on the borrower's credit report. - Due Diligence Vendor-10/24/2025 | LTV is less than guideline maximum - LTV = 59.83% - Max LTV = 65%<br>Months Reserves exceed minimum required - Reserves = 92.14 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847816 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 11:19 | 2025-10-15 10:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. . - Due Diligence Vendor-10/15/2025 <br> Counter-Received duplicate assets-finding remains. Audited Reserves of 2.2 month(s) are less than Guideline Required Reserves of 12 month(s) Loan file is insufficient required 12 months reserved. - Due Diligence Vendor-10/13/2025 <br> Counter-Assets provided have already been included in the Review. $61,874.02 documented reserves < $72,648.00 Minimum required. - Due Diligence Vendor-09/29/2025 <br> Open-Audited Reserves of 2.2 month(s) are less than Guideline Required Reserves of 12 month(s) Loan file is insufficient required 12 months reserved. - Due Diligence Vendor-09/24/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow 2.2 months of reserves, 12 months required. - Due Diligence Vendor-10/15/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR .925<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 740 Min FICO = 680 | Rate and term refi, payment decreasing over $2,000 per month<br> .925 DSCR<br> Experienced investor<br> 740 fico min 680 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 847837 | xxxxxx D B A | Closed | xxxxxx | 2025-10-29 16:29 | 2025-11-17 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-PCCD provided and the loan is no longer high cost. Escrow waiver allowed. - Due Diligence Vendor-11/17/2025 <br> Open-HPML loans require escrows for property taxes, hazard insurance, and flood insurance (if applicable). Subject is a Higher Priced Mortgage Loan; however, per Final CD, no escrows for taxes and insurance. - Due Diligence Vendor-10/29/2025 |  | Resolved-PCCD provided and the loan is no longer high cost. Escrow waiver allowed. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 104 mos reserves exceeds min 3 mos reserves<br>LTV is less than guideline maximum - 40.98% LTV ratio, 90% maximum LTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 max exceeds min 720 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847837 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 14:47 | 2025-11-10 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh - Due Diligence Vendor-11/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report for B1 - Due Diligence Vendor-10/29/2025 |  | Resolved-Received credit refresh - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - 104 mos reserves exceeds min 3 mos reserves<br>LTV is less than guideline maximum - 40.98% LTV ratio, 90% maximum LTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 max exceeds min 720 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847837 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 15:22 | 2025-10-29 17:29 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client waiver applied to non-material finding with compensating factors.- Due Diligence Vendor-11/03/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Exception Request in file to allow less than 2 years self-employment (21 months). - Due Diligence Vendor-10/28/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Borrower is 3 months shy of 24 month self-employment history with a DTI ratio below 5%, LTV ratio 48% below maximum of 90%, FICO of 740, which is 20 points above minimum required, and 104 months of reserves. - Due Diligence Vendor-11/03/2025 | Months Reserves exceed minimum required - 104 mos reserves exceeds min 3 mos reserves<br>LTV is less than guideline maximum - 40.98% LTV ratio, 90% maximum LTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 740 max exceeds min 720 per guides | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847842 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 15:58 | 2025-09-29 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-09/29/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing the complete hazard insurance declaration page with coverage amounts, file contains premium notice only. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 152.86 months, guidelines require 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico is 763, guidelines require 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847882 | xxxxxx C B A | Closed | xxxxxx | 2025-10-07 15:04 | 2025-10-08 08:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors- to allow not having a primary housing expense. Borrower has been living with family for 18 years, however borrower does have 3 investment properties currently owned with no delinquencies reported. - Due Diligence Vendor-10/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender Exception approval in file for borrower to not have primary housing expense: Per Final 1003, Borr living at current residence for 18yrs with no primary housing expense and subject property owned free and clear at time of loan transaction. Per guides pg15; Housing history for the DSCR Doc type is required for the borrower's primary residence and the subject property if a refinance transaction. - Due Diligence Vendor-10/07/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- to allow not having a primary housing expense. Borrower has been living with family for 18 years, however borrower does have 3 investment properties currently owned with no delinquencies reported. - Due Diligence Vendor-10/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.107<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 736 FICO<br>Months Reserves exceed minimum required - 90.38 mos reserves. Per guides, no reserves required. | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Experienced investor owns and manages 2 or more properties for 12 months<br> - DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847912 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 10:18 | 2025-11-04 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.11% is less than or equal to Guideline DTI of 50%. Subject REO rental income based on xxxxxx - $53,400 x 80%/12=$3,560-PITI $2,029.15=$1,530.85 positive income. - Due Diligence Vendor-11/03/2025 <br> Open-Audited DTI of 54.81% exceeds Guideline DTI of 50% DTI Exceeds the maximum - appears lender used rental income, income docs not provided. - Due Diligence Vendor-10/24/2025 |  | Resolved-Audited DTI of 47.11% is less than or equal to Guideline DTI of 50%. Subject REO rental income based on xxxxxx - $53,400 x 80%/12=$3,560-PITI $2,029.15=$1,530.85 positive income. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - Maximum 85 - Current 80%<br>Months Reserves exceed minimum required - Reserves - 2 months - borrower exceeds. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847912 | xxxxxx D A | Closed | xxxxxx | 2025-10-23 20:17 | 2025-11-03 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-11/03/2025 <br> Counter-Received Google Search of employer. VOE not provided. - Due Diligence Vendor-10/30/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing MISSING VOE - Due Diligence Vendor-10/24/2025 |  | Resolved-VOE provided. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - Maximum 85 - Current 80%<br>Months Reserves exceed minimum required - Reserves - 2 months - borrower exceeds. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847912 | xxxxxx D A | Closed | xxxxxx | 2025-10-23 20:17 | 2025-11-03 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VOI. - Due Diligence Vendor-11/03/2025 <br> Counter-Received Google Search of employer. VOE not provided. - Due Diligence Vendor-10/30/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/24/2025 |  | Resolved-Received pre close VOI. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - Maximum 85 - Current 80%<br>Months Reserves exceed minimum required - Reserves - 2 months - borrower exceeds. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847937 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 09:32 | 2025-10-03 10:15 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-10/03/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage xxxxxx is less than Total Amount of Subject Lien(s) xxxxxx. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-10/03/2025<br>| DSCR % greater than 1.20 - DSCR is 1.31. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 693; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847949 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847954 | xxxxxx C A | Closed | xxxxxx | 2025-10-14 11:31 | 2025-10-22 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Bank statement. - Due Diligence Vendor-10/22/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing xxxxxx xxxxxx ending 08.29.2025 with a balance of $388,384.03 - Due Diligence Vendor-10/14/2025 |  | Resolved-Received Bank statement. - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - 3.3% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 791 vs. min FICO 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847954 | xxxxxx C A | Closed | xxxxxx | 2025-10-14 11:24 | 2025-10-22 10:54 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Bank statement. - Due Diligence Vendor-10/22/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-9415.05'. Assets are Insufficient. Missing xxxxxx xxxxxx ending 08.29.2025 with a balance of $388,384.03. Please note that assets are not yet finalized. Additional information and/or documentation may be required. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received Bank statement. - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - 3.3% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 791 vs. min FICO 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848026 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848049 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 09:52 | 2025-11-14 16:01 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Rec'd COCs. Finding resolved. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-11/14/25 - please see COC attached to condition xxxxxx. Manually uploaded thru xxxxxx as condition originally sent 11/10/25 with no response since. - Buyer-11/14/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending Compliance docs - Due Diligence Vendor-11/05/2025 |  | Resolved-Rec'd COCs. Finding resolved. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - 27 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 725; minimum required 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848049 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 07:15 | 2025-11-11 10:21 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COCs. Finding resolved. - Due Diligence Vendor-11/11/2025 <br> Open-\*\*\*\*New\*\*\*\*\*\*-----Zero (0%) tolerance fees increased by $65.00 (Appraisal and Appraisal Re-Inspection) 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 $65.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year - Expiration date is xxxxxx.<br> - Due Diligence Vendor-11/10/2025 |  | Resolved-Rec'd COCs. Finding resolved. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - 27 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 725; minimum required 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848049 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 13:05 | 2025-11-10 12:41 | 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-11/10/2025 <br> Ready for Review-Document Uploaded. 11/10/25 - please see attached. Manually uploading again thru xxxxxx. Document originally sent since xxxxxx but appears not coming thru. Please review. - Buyer-11/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing EX A, Legal - Due Diligence Vendor-11/03/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - 27 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 725; minimum required 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848049 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 13:26 | 2025-11-10 08:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-11/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - 27 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 725; minimum required 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848049 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 13:57 | 2025-11-10 07:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD dated xxxxxx. Finding resolved. - Due Diligence Vendor-11/10/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-11/03/2025 |  | Resolved-----Received CD dated xxxxxx. Finding resolved. - Due Diligence Vendor-11/10/2025 | Months Reserves exceed minimum required - 27 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 725; minimum required 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848061 | xxxxxx C A | Closed | xxxxxx | 2025-09-29 16:05 | 2025-09-30 07:16 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, the Note does not get notarized. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. note does not get Notary signature - Seller-09/30/2025 <br> Open-The Note is Incomplete Missing Notary signature and information<br> - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. note does not get Notary signature - Seller-09/30/2025 | Resolved-After further review, the Note does not get notarized. - Due Diligence Vendor-09/30/2025<br>| LTV is less than guideline maximum - 65% vs. max 70%<br>Months Reserves exceed minimum required - >93 months available vs. 12 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848067 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 11:50 | 2025-10-15 10:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title policy with corrected coverage of xxxxxx - Due Diligence Vendor-10/15/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage xxxxxx is less than Total Amount of Subject Lien(s) xxxxxx. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received updated Title policy with corrected coverage of xxxxxx - Due Diligence Vendor-10/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 740; guidelines require 700. <br>LTV is less than guideline maximum - LTV 54.55 LTV. Allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848101 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 16:26 | 2025-09-29 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification - Due Diligence Vendor-09/29/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-09/24/2025 |  | Resolved-Received tax verification - Due Diligence Vendor-09/29/2025<br>| DSCR % greater than 1.20 - DSCR: 1.477 Min 0.75 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 748 Min 680<br>LTV is less than guideline maximum - LTV: 70 Max 75<br>Months Reserves exceed minimum required - Reserves: 198 Min 6 (74 months w/o net proceeds) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848102 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848108 | xxxxxx C B A | Closed | xxxxxx | 2025-10-09 14:15 | 2025-11-18 13:28 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Client waiver applied to non-material finding with compensating factors. HOI policy contains typical dwelling coverage in addition to outbuilding coverage. Appraiser confirms property is not a business use and photos from appraisal further support outbuilding are not being used for business purpose. - Due Diligence Vendor-11/18/2025 <br> Counter-Received HOI policy - coverage is residential and business use - coverage type is not eligible.- Due Diligence Vendor-10/20/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursed xxxxxx - Due Diligence Vendor-10/09/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. HOI policy contains typical dwelling coverage in addition to outbuilding coverage. Appraiser confirms property is not a business use and photos from appraisal further support outbuilding are not being used for business purpose. - Due Diligence Vendor-11/18/2025 | Months Reserves exceed minimum required - >29 months available vs. 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 775 vs. min FICO 680 | 775 fico <br> 29 months of reserves | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848108 | xxxxxx C B A | Closed | xxxxxx | 2025-10-21 15:18 | 2025-11-17 17:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/17/2025 <br> Open-The subject property is xxxxxx acres max acreage allowed is 20 acres. - Due Diligence Vendor-10/21/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - >29 months available vs. 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 775 vs. min FICO 680 | 775 fico <br> 29 months of reserves | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848113 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848123 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848134 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848145 | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 19:48 | 2025-09-29 20:11 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-10/06/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Per guides, loans not eligible for cash-out: Closed-end second seasoned less than six (6) months Exception approval in file to allow cash-out transaction with a closed-end second seasoned less than 6 months. It should be noted that the borrower's reserves were only 3.1 months greater than the minimum requirement of 2 months. - Due Diligence Vendor-09/30/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Credit Score (+24 points); reserves (+3.1 months); 0x30x38 months mortgage history. - Due Diligence Vendor-10/06/2025<br>| Months Reserves exceed minimum required - Borrower reserves exceed the minimum require of 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower Credit Score of 724 exceed the minimum require of 700.<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x38 month mortgage history. | Credit Score - 20 points greater than minimum required.<br> Reserves - Reserves exceed requirement by 6 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848158 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848185 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 11:02 | 2025-11-03 11:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received 1040 and 1120s signed and dated. - Due Diligence Vendor-11/03/2025 <br> Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-10/28/2025 |  | Resolved-Received 1040 and 1120s signed and dated. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - 14 MONTHS RESERVES, 6 MONTHS RESERVES REQUIRED,<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 722, MINIMUM IS 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848185 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 13:23 | 2025-11-03 07:35 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received Initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/03/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations - 3 years; Expiration date is xxxxxx. - Due Diligence Vendor-10/27/2025 |  | Resolved------Received Initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/03/2025 | Months Reserves exceed minimum required - 14 MONTHS RESERVES, 6 MONTHS RESERVES REQUIRED,<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 722, MINIMUM IS 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848185 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 11:23 | 2025-10-29 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-10/29/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/28/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - 14 MONTHS RESERVES, 6 MONTHS RESERVES REQUIRED,<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 722, MINIMUM IS 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848185 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 11:23 | 2025-10-29 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-10/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/28/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - 14 MONTHS RESERVES, 6 MONTHS RESERVES REQUIRED,<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 722, MINIMUM IS 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848212 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 848215 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 848228 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 09:21 | 2025-10-03 09:43 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/03/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Need Desk Review, Field Review or Second appraisal since CU show score of 3.1 and and LPA SSR show no score. <br> Desk review in file supports value. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lower FICO score is borrowers at 753 - Minimum is 700 - over 53 pts above<br>Months Reserves exceed minimum required - 2 mos reserves required - we have 66.75% remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848228 | xxxxxx C B A | Closed | xxxxxx | 2025-09-23 15:38 | 2025-10-03 09:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-10/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description/Exhibit A page is missing from DOT - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lower FICO score is borrowers at 753 - Minimum is 700 - over 53 pts above<br>Months Reserves exceed minimum required - 2 mos reserves required - we have 66.75% remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848228 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 15:08 | 2025-09-25 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow investment purchase B1 does not own a primary . Non-material waiver applied with comp factors. Deemed non-material due to B2 owns primary, B1 resides in the same home. - Due Diligence Vendor-09/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements xxxxxx requires all borrowers to have a primary housing history. Both borrowers reside together (son and mother). Mother owns property, son resides rent free - Due Diligence Vendor-09/25/2025 |  | Waived-Client exception granted to allow investment purchase B1 does not own a primary . Non-material waiver applied with comp factors. Deemed non-material due to B2 owns primary, B1 resides in the same home. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lower FICO score is borrowers at 753 - Minimum is 700 - over 53 pts above<br>Months Reserves exceed minimum required - 2 mos reserves required - we have 66.75% remaining | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848258 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848405 | xxxxxx C B A | Closed | xxxxxx | 2025-10-02 17:29 | 2025-10-03 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review, this is no longer required. - Due Diligence Vendor-10/03/2025 <br> Open-Missing ACH Form. - Due Diligence Vendor-10/02/2025 |  | Resolved-After further review, this is no longer required. - Due Diligence Vendor-10/03/2025<br>| Months Reserves exceed minimum required - 22.97 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848405 | xxxxxx C B A | Closed | xxxxxx | 2025-10-02 17:24 | 2025-10-03 09:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Qualifying Credit Score does not meet eligibility requirement(s) | Waived-Client exception granted, waiver applied with comp factor. Audit reviewed to xxxxxx GL deemed non-material - Due Diligence Vendor-10/03/2025 <br> Open-Requesting to move forward under the xxxxxx with "no credit score" since they do not meet the parameters of that program/Credit piece Borrower does have one credit score. <br> - Due Diligence Vendor-10/02/2025 |  | Waived-Client exception granted, waiver applied with comp factor. Audit reviewed to xxxxxx GL deemed non-material - Due Diligence Vendor-10/03/2025 | Months Reserves exceed minimum required - 22.97 months reserves; 6 months reserves required. | 22.97 months reserves; 6 months reserves required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848447 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848450 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 15:34 | 2025-12-10 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-10/09/2025 <br> Open-Missing Evidence of Property Tax - Evidence of taxes info / calculation for monthly taxes payment amount used for qualifying - Due Diligence Vendor-10/08/2025 |  | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - 90 months reserves exceeds min 2 per guides.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 score exceeds required min 640 per guides |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848465 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 11:25 | 2025-11-12 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Latest/Final Application Document | Resolved-Received updated 1003 and 1008. - Due Diligence Vendor-11/12/2025 <br> Counter-Received closing statement - property closed after subject-finding remains. - Due Diligence Vendor-11/03/2025 <br> Open-Provide updated loan application to reflect ownership of property as documented in the loan file, with a tax cert which shows borrower co-owns undeveloped land, with a non-borrowing spouse. It should be noted that audit included the real estate taxes for the property in the borrower's DTI calculation. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received updated 1003 and 1008. - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - 17.77 months reserves exceed 3 months required.<br>Qualifying DTI below maximum allowed - 29.22% DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848465 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 11:33 | 2025-11-03 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/03/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report or Undisclosed Debt Monitoring (UDM) report is dated no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - 17.77 months reserves exceed 3 months required.<br>Qualifying DTI below maximum allowed - 29.22% DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848465 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 11:15 | 2025-10-31 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received LOE for reduction in income. - Due Diligence Vendor-10/31/2025 <br> Open-Missing letter of explanation for lower level of income when comparing 6-month averages. A review of the bank statements indicates that the borrower's eligible monthly average of deposits for the first 6 months (9/2024 through 2/2025) was $27,322 while the most recent 6 months (3/2025 through 8/2025) was only $18,731, a decline of $8,591 per month, which is more than 31%. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received LOE for reduction in income. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - 17.77 months reserves exceed 3 months required.<br>Qualifying DTI below maximum allowed - 29.22% DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848474 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848477 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 09:55 | 2025-11-04 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-The appraiser gave no value tot he xxxxxx conversion and did not indicate there was any health or safety issue. - Due Diligence Vendor-11/04/2025 <br> Open-Property Issues are identified for the property Converted xxxxxx to a xxxxxx is not complete see pg376-377 - Due Diligence Vendor-11/03/2025 |  | Resolved-The appraiser gave no value tot he garage conversion and did not indicate there was any health or safety issue. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 735 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 25.99% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 74.92% is lower than maximum 80% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848479 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848480 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848509 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 14:59 | 2025-11-17 07:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received notification from Lender that borrower did shop of title company. Finding Resolved. - Due Diligence Vendor-11/17/2025 <br> Counter------Title Insurance and the Title Commitment Fee are paid to the lender's affiliate xxxxxx per the xxxxxx in file. -----Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $202.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expires xxxxxx. Lender Credit of $250.00 already applied. Finding Remains. - Due Diligence Vendor-11/13/2025 <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 $452.00.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 $202.00(Commitment Fee, Lender's Title Insurance Policy) 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 $202.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expires xxxxxx.<br>----- (lender credits for closing above legal limit applied to 'Tract Search Fee')<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-----Received notification from Lender that borrower did shop of title company. Finding Resolved. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 3 MONTHS PITIA RESERVES REQUIRED AND THE BORROWERS HAVE 35 MONTHS.<br>Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO and the borrowers have a 727 FICo. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848509 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 14:59 | 2025-11-13 07:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,059,188.65. The disclosed finance charge of $1,059,023.65 is not considered accurate because it is understated by more than $100. ----- This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $1,059,188.65. The disclosed finance charge of $1,059,023.65 is not considered accurate because it is understated by more than $100 at $165. Provide evidence of refund or principal reduction of $165, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statue of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - 3 MONTHS PITIA RESERVES REQUIRED AND THE BORROWERS HAVE 35 MONTHS.<br>Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO and the borrowers have a 727 FICo. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848514 | xxxxxx C B A | Closed | xxxxxx | 2025-09-30 12:40 | 2025-10-13 11:10 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/13/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide sufficient Title Coverage for the full loan amount. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/13/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.228<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 711. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848514 | xxxxxx C B A | Closed | xxxxxx | 2025-09-30 13:09 | 2025-10-08 11:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material grade 2. - Due Diligence Vendor-10/08/2025 <br> Open-Prepayment Penalty is not allowed. xxxxxx PPP is not allowed on properties not vested in a S-Corp or Corp. PPP vested in LLC is not allowed. - Due Diligence Vendor-09/30/2025 |  | Waived-Waiver applied to non-material grade 2. - Due Diligence Vendor-10/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.228<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 711. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848514 | xxxxxx C B A | Closed | xxxxxx | 2025-09-30 13:01 | 2025-10-01 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/03/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Lender Exception: Approved to proceed with a loan mod dated 1.02.24 (not seasoned). A 3 year seasoning required per guides. - Due Diligence Vendor-09/30/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.228<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 711. | 1. Credit Score 30+ points > minimum required<br> 2. DSCR > 1.15<br> 3. Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 848517 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 13:55 | 2025-10-14 11:39 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review supporting value. - Due Diligence Vendor-10/14/2025 <br> Counter-Desk Review provided is not for the Appraisal used for qualification. - Due Diligence Vendor-10/07/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Secondary Valuation product. Desk Review received does not match appraisal on file. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received desk review supporting value. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 4.72 months reserves; 2 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30x56 On time mortgage history exceeds guideline requirement First-time Investor: 0 x 30 x 36 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848530 | xxxxxx C B A | Closed | xxxxxx | 2025-10-17 15:01 | 2025-11-13 08:54 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/13/2025 <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 $240.00.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 $240.00 (Appraisal Review Fee $165 and xxxxxx Attorney Doc Prep $75) 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 $165.00(75$ cure included on xxxxxx CD), post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations xxxxxx - Due Diligence Vendor-10/17/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - 8.26 months verified reserves, guidelines require 3 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.95<br>LTV is less than guideline maximum - Required is 85 Borrower has 79.82<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 710, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848530 | xxxxxx C B A | Closed | xxxxxx | 2025-10-21 10:25 | 2025-10-21 15:32 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx detector has issues | Resolved-After further review, the appraiser did not indicate an issue, nothing further is required. - Due Diligence Vendor-10/21/2025 <br> Open-Appraiser does not state that the property has xxxxxx installed. - Due Diligence Vendor-10/21/2025 |  | Resolved-After further review, the appraiser did not indicate an issue, nothing further is required. - Due Diligence Vendor-10/21/2025<br>| Months Reserves exceed minimum required - 8.26 months verified reserves, guidelines require 3 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.95<br>LTV is less than guideline maximum - Required is 85 Borrower has 79.82<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 710, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848607 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848608 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848631 | xxxxxx D A | Closed | xxxxxx | 2025-10-07 12:13 | 2025-10-10 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose. - Due Diligence Vendor-10/10/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit for DSCR qualified loan. Although Occupancy & Financial Affidavit , this does not meet criteria. - Due Diligence Vendor-10/07/2025 |  | Resolved-Received business purpose. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - Reserves: 28 Min 2<br>LTV is less than guideline maximum - LTV: 65 Max 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848663 | xxxxxx C A | Closed | xxxxxx | 2025-11-06 12:36 | 2025-11-24 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received confirmation no HOA but fees are split between parties. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/21/2025 <br> Counter-Appraisers commentary is inconsistent with master HOA insurance coverages. finding remains-Appraiser to address if there is HOA fee. Appraisal page 1 (PDF 787) notes $0. However, lender included $218 monthly on 1003 and 1008 (45). Additional findings may apply since there is a blanket insurance agreement that includes flood which would need to be covered by the HOA. - Due Diligence Vendor-11/13/2025 <br> Open-Appraiser to address if there is HOA fee. Appraisal page 1 (PDF 787) notes $0. However, lender included $218 monthly on 1003 and 1008 (45). Additional findings may apply since there is a blanket insurance agreement that includes flood which would need to be covered by the HOA. - Due Diligence Vendor-11/06/2025 |  | Resolved-Received confirmation no HOA but fees are split between parties. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 6 reserves required. 186 reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848664 | xxxxxx C B A | Closed | xxxxxx | 2025-10-02 12:09 | 2025-11-07 15:48 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD xxxxxx, LOE, copy of refund check for $1205 and poof of delivery. - Due Diligence Vendor-11/07/2025 <br> Counter-Client response: The LE dated xxxxxx was from a different transaction. At the top of page 1 the LE the Lender Information (Loan Number) does not match xxxxxx Loan Number xxxxxx (xxxxxx 1003 and Initial LE is completed with xxxxxx Loan Number).<br> The Initial Disclosures and Initial LE dated xxxxxx were completed with xxxxxx. The Initial LE dated xxxxxx reflected the Loan Admin Fee of $1,175 and the transfer Taxes of xxxxxx. No cure required.<br> Audit Response: The number at the top of initial LE xxxxxx is a docusign tracking number. This appears to be the broker LE and is a valid initial LE. Finding remains. - Due Diligence Vendor-10/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $1,205.00 (Administration Fee and Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,205.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-10/02/2025 |  | Cured-Received PCCD xxxxxx, LOE, copy of refund check for $1205 and poof of delivery. - Due Diligence Vendor-11/07/2025 | Qualifying DTI below maximum allowed - Max DTI 43% / Borrower DTI 28.72%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 719 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848664 | xxxxxx C B A | Closed | xxxxxx | 2025-10-03 07:04 | 2025-10-08 14:00 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx detector has issues | Resolved-Upon further review, appraisal comment was made and not an issue- nothing further required. - Due Diligence Vendor-10/08/2025 <br> Open-<br> Originator to provide certification that subject meets state xxxxxx requirements. Review of appraisal indicates only 1 photo of a xxxxxx and subject property is a xxxxxx-unit building. Additionally, appraiser did not comment on xxxxxx sensor(s) meeting state requirements. - Due Diligence Vendor-10/03/2025 |  | Resolved-Upon further review, appraisal comment was made and not an issue- nothing further required. - Due Diligence Vendor-10/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI 43% / Borrower DTI 28.72%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 719 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848664 | xxxxxx C B A | Closed | xxxxxx | 2025-10-02 10:37 | 2025-10-03 19:44 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.439% is within allowable threshold of APOR of 6.32% + 1.75% or 8.07%. - Due Diligence Vendor-10/08/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.439% is within allowable threshold of APOR of 6.32% + 1.75% or 8.07%. - Due Diligence Vendor-10/02/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.439% is within allowable threshold of APOR of 6.32% + 1.75% or 8.07%. - Due Diligence Vendor-10/08/2025 | Qualifying DTI below maximum allowed - Max DTI 43% / Borrower DTI 28.72%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 719 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848672 | xxxxxx C A | Closed | xxxxxx | 2025-10-27 09:35 | 2025-10-30 11:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI. Guideline indicate unpaid principal balance of mortgage which is more than subject lien. - Due Diligence Vendor-10/30/2025 <br> Open-Hazard insurance policy reflects claims based on actual cash value/depreciation, not on a replacement cost basis. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received HOI. Guideline indicate unpaid principal balance of mortgage which is more than subject lien. - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - LTV = 53.19% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - DTI = 31.94% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848689 | xxxxxx C A | Closed | xxxxxx | 2025-09-29 14:02 | 2025-10-06 10:25 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-10/06/2025 <br> Open-Foreign National but the ACH form is Missing from file. Foreign National ACH form is required. UW did not see this form in file. - Due Diligence Vendor-09/29/2025 |  | Resolved-Received ACH. - Due Diligence Vendor-10/06/2025<br>| Months Reserves exceed minimum required - No reserves required. Cash out reserves are 86.59 months.<br>Long term residence - Borrower has been in ownership of subject since 3/17/2017 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848725 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 12:43 | 2025-10-06 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Cert. - Due Diligence Vendor-10/06/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Business Purpose Cert. - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 757; guidelines require 700.<br>DSCR % greater than 1.20 - DSCR 1.31. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848726 | xxxxxx C B A | Closed | xxxxxx | 2025-11-07 09:22 | 2025-11-07 09:29 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow less than 24 months self employment., Non-material waiver applied with comp factors - Due Diligence Vendor-11/07/2025 <br> Open-Income and Employment Do Not Meet Guidelines Three large unsourced deposits dated 9/3/2024, 9/24/2024 and 11/4/2024; causing DTI discrepency. <br>Per guidelines: Business account used for income: Large deposits greater than 100% of monthly business revenue must be documented for a purchase transaction. - Due Diligence Vendor-11/07/2025 |  | Waived-Client exception granted to allow less than 24 months self employment., Non-material waiver applied with comp factors. non-material due to Borrower has 2 years self employment the business is 5 months short. - Due Diligence Vendor-11/07/2025 | Qualifying DTI below maximum allowed - verified dti 33% - max dti 45%<br>Qualifying FICO score is at least 20 points above minimum for program - quailifying fico 715. minimum fico 680 | Credit Score > 30+ Points<br> DTI < 3% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848726 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 15:05 | 2025-11-05 15:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material Findings. - Due Diligence Vendor-11/05/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material Findings. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - verified dti 33% - max dti 45%<br>Qualifying FICO score is at least 20 points above minimum for program - quailifying fico 715. minimum fico 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848726 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 15:05 | 2025-11-05 15:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings - Due Diligence Vendor-11/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - verified dti 33% - max dti 45%<br>Qualifying FICO score is at least 20 points above minimum for program - quailifying fico 715. minimum fico 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848743 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 16:17 | 2025-10-06 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc was provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. SIGNED GUARANTY AGREEMENT ATTACHED. xxxxxx - Seller-10/03/2025 | Ready for Review-Document Uploaded. SIGNED GUARANTY AGREEMENT ATTACHED. xxxxxx - Seller-10/03/2025 | Resolved-The Guaranty Agreement Doc was provided. - Due Diligence Vendor-10/06/2025<br>| DSCR % greater than 1.20 - DSCR for this loan is 3.615 <br>Qualifying FICO score is at least 20 points above minimum for program - Borrower Credit Score of 706 is at least 20 points above minimum for program 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848763 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 13:19 | 2025-11-04 10:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received title receipt of gift funds. - Due Diligence Vendor-10/29/2025 <br> Open-Asset 1 Less Than 2 Months Verified Gift letter provided- missing funds from donor withdrawal. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received title receipt of gift funds. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 36.48% max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848763 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 13:19 | 2025-11-04 10:46 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br> Counter-Received gift funds receipt-short verified funds to close-Post-Close amount is '$-3730.57'. Assets are Insufficient.- gift funds only provided no other assets. - Due Diligence Vendor-10/29/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-3730.57'. Assets are Insufficient.- gift funds only provided no other assets. - Due Diligence Vendor-10/24/2025 |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 36.48% max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848821 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848828 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 07:01 | 2025-10-13 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received confirmation from originator all pages provided. - Due Diligence Vendor-10/13/2025 <br> Open-Third Party Fraud Report Partially Provided Missing complete copy of fraud report. Report in file (PDF 291) includes 6 pages only. Additional findings may apply. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received confirmation from originator all pages provided. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 116.67 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 735 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848864 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 08:44 | 2025-10-28 11:17 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Drive-by. Value supported. - Due Diligence Vendor-10/28/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Second valuation is absent the loan file - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Drive-by. Value supported. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 748 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 17.91 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848864 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 08:44 | 2025-10-28 11:17 | Resolved | 1 - Information C A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between $1.2 M and $2 million | Resolved-Received Drive-by. Value supported. - Due Diligence Vendor-10/28/2025 <br> Open-Additional valuation product has not been provided and Loan Amount is: 'xxxxxx.' additional valuation is absent the loan file. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Drive-by. Value supported. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 748 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 17.91 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848865 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 17:23 | 2025-10-10 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/10/2025 <br> Open-Missing Third Party Fraud Report Loan file is absent fraud report - Due Diligence Vendor-09/30/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 785 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 83.54 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848865 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 15:04 | 2025-10-10 10:49 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. - Due Diligence Vendor-10/10/2025 <br> Open-Missing secondary valuation - must have a second appraisal, xxxxxx CDA, xxxxxx, BPO or equivalent product or field review evidencing a reasonable appraisal value - Due Diligence Vendor-10/03/2025 |  | Resolved-Received Desk Review. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 785 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 83.54 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848865 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 15:01 | 2025-10-10 10:46 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. - Due Diligence Vendor-10/10/2025 <br> Open-Missing All loans - must have a second appraisal, xxxxxx CDA, xxxxxx, BPO or equivalent product or field review evidencing a reasonable appraisal value. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received Desk Review. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 785 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 83.54 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848897 | xxxxxx D A | Closed | xxxxxx | 2025-10-10 09:17 | 2025-10-16 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/16/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose disclosure. - Due Diligence Vendor-10/10/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 FICO required and the borrowers have an 807 FICO<br>Months Reserves exceed minimum required - no reserves required and the borrowers have 110 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848900 | xxxxxx D A | Closed | xxxxxx | 2025-10-07 11:11 | 2025-10-10 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Cert. - Due Diligence Vendor-10/10/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing BPC required for cash out refi - only Occupancy Cert in file - Due Diligence Vendor-10/07/2025 |  | Resolved-Received Business Purpose Cert. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum allowed 68O FICO - actual 770 FICO<br>LTV is less than guideline maximum - Max is 60% - Actual 55.21% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848930 | xxxxxx D A C | Closed | xxxxxx | 2025-10-03 09:47 | 2025-10-13 11:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/13/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description (exhibit A) - Due Diligence Vendor-10/03/2025 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 36 months reserves documented, 6 months reserves required<br>On time mortgage history exceeds guideline requirement - 0x30x26 on time mortgage history exceeds requirement 2x30x24 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848930 | xxxxxx D A C | Closed | xxxxxx | 2025-10-03 12:49 | 2025-10-08 14:01 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Upon further review, appraisal comment there was an issue, nothing further is required. - Due Diligence Vendor-10/08/2025 <br> Open-Appraisal missing comment/confirmation of xxxxxx located on property - Due Diligence Vendor-10/03/2025 |  | Resolved-Upon further review, appraisal comment there was an issue, nothing further is required. - Due Diligence Vendor-10/08/2025<br>| Months Reserves exceed minimum required - 36 months reserves documented, 6 months reserves required<br>On time mortgage history exceeds guideline requirement - 0x30x26 on time mortgage history exceeds requirement 2x30x24 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848930 | xxxxxx D A C | Closed | xxxxxx | 2025-10-03 12:50 | 2025-10-08 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received entity documentation. 100% owner. - Due Diligence Vendor-10/08/2025 <br> Open-Missing documentation of relationship of borrower and xxxxxx that is listed on lease as owner/agent - Due Diligence Vendor-10/03/2025 |  | Resolved-Received entity documentation. 100% owner. - Due Diligence Vendor-10/08/2025<br>| Months Reserves exceed minimum required - 36 months reserves documented, 6 months reserves required<br>On time mortgage history exceeds guideline requirement - 0x30x26 on time mortgage history exceeds requirement 2x30x24 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848960 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 14:44 | 2025-11-07 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/04/2025 |  | Resolved-Received UDM - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - fico is 756, minimum is 700<br>Months Reserves exceed minimum required - 3 months reserves required, 10.11 months verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848960 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 14:44 | 2025-11-07 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/07/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/04/2025 |  | Resolved-Received UDM - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - fico is 756, minimum is 700<br>Months Reserves exceed minimum required - 3 months reserves required, 10.11 months verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848960 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 13:24 | 2025-11-05 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/05/2025 <br> Open-Property Issues are identified for the property Condo project has structural cement and stucco cracks per condo questionnaire a concrete restoration project is scheduled to start in xxxxxx xxxxxx and will be completed in 4-6 months. Exception in file. - Due Diligence Vendor-11/05/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - fico is 756, minimum is 700<br>Months Reserves exceed minimum required - 3 months reserves required, 10.11 months verified | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848960 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 14:46 | 2025-11-03 16:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Client Waiver applied to non-material findings - Due Diligence Vendor-11/03/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client Waiver applied to non-material findings - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - fico is 756, minimum is 700<br>Months Reserves exceed minimum required - 3 months reserves required, 10.11 months verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848990 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849009 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849020 | xxxxxx C B A | Closed | xxxxxx | 2025-10-13 12:51 | 2025-12-09 16:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-------Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/09/2025 |  | Waived-------Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% - we are at 48.34%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Min is 680 - we are at 733 - 53 pts above |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849020 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 10:27 | 2025-11-03 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-\*\*Received updated Appraisal. - Due Diligence Vendor-11/03/2025 <br> Open-Property Issues are identified for the property Appraiser to update appraisal showing type of foundation for subject property. - Due Diligence Vendor-10/14/2025 |  | Resolved-\*\*Received updated Appraisal. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% - we are at 48.34%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Min is 680 - we are at 733 - 53 pts above |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849020 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 10:51 | 2025-10-17 10:13 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow for - missing YTD Documentation to support continued receipt of income from same source [for 1099 income]. <br> Non-material waiver applied to finding with compensating factors.<br> - Due Diligence Vendor-10/17/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing the following: YTD earnings must be documented when the 1099 reporting period is greater than 120 days from the note date. YTD earnings must support ongoing receipt of income showing by 1099's: Checks or a single check stub with YTD totals available OR Bank statements YTD. (The YTD earnings from the total of check stubs or the tally of deposits from bank statements must be within 10% of greater than earnings used for qualification). Bank statements provided are not legible and should be from 1/1/25 to current. (EXCEPTION GRANTED FOR THIS CONDITON BY xxxxxx) - Due Diligence Vendor-10/14/2025 |  | Waived-Client exception granted to allow for - missing YTD Documentation to support continued receipt of income from same source [for 1099 income]. <br> Non-material waiver applied to finding with compensating factors.<br> - Due Diligence Vendor-10/17/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% - we are at 48.34%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Min is 680 - we are at 733 - 53 pts above | Credit Score - Credit Score 30+ points > minimum required<br> Reserves - Reserves exceed requirement by 10 months or more | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849029 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849047 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 12:14 | 2025-11-03 14:44 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-The supervisor's license was provided. - Due Diligence Vendor-11/03/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Missing supervisory appraiser's license as license provided with appraisal is expired - Due Diligence Vendor-10/28/2025 |  | Resolved-The supervisor's license was provided. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 703; guideline minimum is 680<br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 7.5; guideline minimum is 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849047 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 15:00 | 2025-11-03 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-2024 W2 provided for the other location with wages supporting the income used to qualify. - Due Diligence Vendor-11/03/2025 <br> Counter-Received duplicate documentation - missing W2 2024 For xxxxxx location to support $5625 monthly - Due Diligence Vendor-10/31/2025 <br> Open-Borrower 1 W2/1099 Missing Missing 2024 W2 For xxxxxx location to support $5625 monthly, - Due Diligence Vendor-10/28/2025 |  | Resolved-2024 W2 provided for the other location with wages supporting the income used to qualify. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 703; guideline minimum is 680<br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 7.5; guideline minimum is 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849048 | xxxxxx B A | Closed | xxxxxx | 2025-10-06 10:23 | 2025-10-06 10:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-10/06/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-10/06/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-10/06/2025<br>| LTV is less than guideline maximum - LTV 62.50% LTV. Allowed 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 814; guidelines require 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849074 | xxxxxx B A | Closed | xxxxxx | 2025-11-10 10:26 | 2025-11-10 10:26 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material findings. - Due Diligence Vendor-11/10/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material findings. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766. Required is 680 Borrower has 766<br>Credit history exceeds minimum required - The Borrowers credit history exceeds 0x30 for more than 12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849090 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849096 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849109 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 13:22 | 2025-11-11 10:33 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Rec'd Fee clarification. Finding resolved. - Due Diligence Vendor-11/11/2025 <br> Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply.<br>- Due Diligence Vendor-11/05/2025 |  | Resolved-Rec'd Fee clarification. Finding resolved. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 29.77 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 732. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849109 | xxxxxx C B A | Closed | xxxxxx | 2025-11-05 13:06 | 2025-11-05 13:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 29.77 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 732. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849121 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 09:09 | 2025-11-03 11:16 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap report, xxxxxx. - Due Diligence Vendor-11/03/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Gap report, xxxxxx. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 41%; max permitted 50%.<br>Months Reserves exceed minimum required - 15 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 849124 | xxxxxx B A | Closed | xxxxxx | 2025-10-03 09:56 | 2025-10-06 08:46 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-10/06/2025 <br>Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-10/03/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-10/06/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%<br>Credit history exceeds minimum required - Qualifying FICO score 718; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849139 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 08:05 | 2025-11-07 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-11/07/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 63.83%, guideline max is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 729 - minimum 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849139 | xxxxxx D B A | Closed | xxxxxx | 2025-10-31 12:13 | 2025-11-04 11:21 | Waived | 2 - Non-Material B | Compliance | State Reg | xxxxxx Subprime Loan Test | Waived-APR on subject loan of 9.245% is in excess of allowable threshold of APOR of 5.7% + 1.75%, or 7.45%. Non-Compliant SubPrime Loan - Due Diligence Vendor-11/04/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----APR on subject loan of 9.245% is in excess of allowable threshold of APOR of 5.7% + 1.75%, or 7.45%. Non-Compliant SubPrime Loan - Due Diligence Vendor-10/31/2025 |  | Waived-APR on subject loan of 9.245% is in excess of allowable threshold of APOR of 5.7% + 1.75%, or 7.45%. Non-Compliant SubPrime Loan - Due Diligence Vendor-11/04/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 63.83%, guideline max is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 729 - minimum 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849139 | xxxxxx D B A | Closed | xxxxxx | 2025-10-31 12:30 | 2025-10-31 12:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/31/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 63.83%, guideline max is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 729 - minimum 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849140 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 11:44 | 2025-11-07 12:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/07/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for credit inquiry on xxxxxx per UDM report dated xxxxxx. - Due Diligence Vendor-11/05/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 30 months reserves exceed required 12 by 18 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 753 is higher than the required 720 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849180 | xxxxxx B A | Closed | xxxxxx | 2025-10-24 16:06 | 2025-10-24 16:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/24/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 660 / Audit Fico score is 719<br>Qualifying DTI below maximum allowed - Maximum DTI ratio is 50% and Audit DTI ratio is 38.02% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849204 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 14:26 | 2025-10-29 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Subject is a DSCR loan, missing the business purpose affidavit. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - 44.03 months verified assets, guidelines require 0 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 817 vs. min FICO 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 08:38 | 2025-11-26 13:58 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Property xxxxxx was closed simultaneous with the subject. Full appraisal provided and market rents used to qualify. - Due Diligence Vendor-11/26/2025 <br> Counter-Client confirmed rental income was not used. DTI is now > 50%. - Due Diligence Vendor-10/29/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing a copy of the lease and evidence of two months receipt of rent for REO xxxxxx in order to use rental income. Additional findings may apply since Audit used lender's net rental loss from 1003 (PDF 32). If the full payment were included, DTI would exceed guideline maximum. - Due Diligence Vendor-10/24/2025 |  | Resolved-Property xxxxxx was closed simultaneous with the subject. Full appraisal provided and market rents used to qualify. - Due Diligence Vendor-11/26/2025 | Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:57 | 2025-11-26 13:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Property xxxxxx was closed simultaneous with the subject. Full appraisal provided and market rents used to qualify. - Due Diligence Vendor-11/26/2025 <br> Open-Audited DTI of 53.19% exceeds Guideline DTI of 50% \*New\* Client confirmed no rental income was used. - Due Diligence Vendor-10/29/2025 |  | Resolved-Property xxxxxx was closed simultaneous with the subject. Full appraisal provided and market rents used to qualify. - Due Diligence Vendor-11/26/2025 | Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 06:58 | 2025-11-26 13:46 | Resolved | 1 - Information C A | Credit | Income/Employment | Missing most recent 2 months | Resolved-Property xxxxxx was closed simultaneous with the subject. Full appraisal provided and market rents used to qualify. - Due Diligence Vendor-11/26/2025 <br> Open-Missing two (2) months of proof of the receipt of rental income to a separate bank account for REO xxxxxx in order to use rental income. Additional findings may apply since Audit used lender's net rental loss from 1003 (PDF 32). If the full payment were included, DTI would exceed guideline maximum. - Due Diligence Vendor-10/24/2025 |  | Resolved-Property xxxxxx was closed simultaneous with the subject. Full appraisal provided and market rents used to qualify. - Due Diligence Vendor-11/26/2025 | Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 06:38 | 2025-11-06 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received confirmation the xxxxxx is not financed or leased. - Due Diligence Vendor-11/06/2025 <br> Open-Missing copy of the lease or power purchase agreement with terms meeting guideline requirements. If monthly payment associated, payment must be included and DTI recalculated. Appraisal (PDF 303) notes leased xxxxxx and title e-mail (PDF 239) notes no recorded xxxxxx lien found. Additional findings may apply. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received confirmation the xxxxxx is not financed or leased. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 07:24 | 2025-11-06 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-11/06/2025 <br> Counter-LOE for the inquiry on xxxxxx provided. Please provide the LOE for the inquiry on xxxxxx - Due Diligence Vendor-10/29/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for the xxxxxx and xxxxxx inquiries on refresh credit report (PDF 70). - Due Diligence Vendor-10/24/2025 |  | Resolved-Received LOE - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 07:06 | 2025-10-29 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Client confirmed income not used - Due Diligence Vendor-10/29/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing a copy of the lease for REO xxxxxx in order to use rental income. Additional findings may apply since Audit used lender's net rental loss from 1003 (PDF 32). If the full payment were included, DTI would exceed guideline maximum. - Due Diligence Vendor-10/24/2025 |  | Resolved-Client confirmed income not used - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849206 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 07:00 | 2025-10-29 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-10/29/2025 <br> Open-Missing verification of HOA for primary residence (REO xxxxxx). If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received HOA verification. - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - 21.93 months reserves and no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849241 | xxxxxx B A | Closed | xxxxxx | 2025-11-07 14:45 | 2025-11-10 16:47 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.362% is within allowable threshold of APOR of 6.22% + 3.75% or 6.453%. - Due Diligence Vendor-11/10/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.362% is within allowable threshold of APOR of 6.22% + 3.75% or 6.453%. - Due Diligence Vendor-11/07/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.362% is within allowable threshold of APOR of 6.22% + 3.75% or 6.453%. - Due Diligence Vendor-11/10/2025 | Months Reserves exceed minimum required - 10.06 months reserves verified when no reserves are required.<br>Qualifying FICO score is at least 20 points above minimum for program - 786 FICO exceeds 680 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849241 | xxxxxx B A | Closed | xxxxxx | 2025-11-07 13:38 | 2025-11-07 14:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 10.06 months reserves verified when no reserves are required.<br>Qualifying FICO score is at least 20 points above minimum for program - 786 FICO exceeds 680 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849256 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849268 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 849277 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849279 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849295 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 15:25 | 2025-12-10 11:34 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-AVM provided from an approved company per guides. - Due Diligence Vendor-11/05/2025 <br> Counter-Received an AVM-secondary valuation of AVM must be from approved vendor meeting guidelines 2.91.3.1 - Due Diligence Vendor-11/05/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. both (CU & LCA) provided, scores are > 2.5. <br> (If the scores exceeds 2.5, the file must include either an enhanced desk review, field review, or second <br> appraisal) - Due Diligence Vendor-10/30/2025 |  | Resolved-AVM provided from an approved company per guides. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 768 GUIDE MIN 720<br>CLTV is less than guidelines maximum - 80% LTV / Guide MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 849295 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 12:13 | 2025-10-31 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-After further review, rural properties are eligible to 80% om a purchase under this program. - Due Diligence Vendor-10/31/2025 <br> Open-Rural properties are Not Eligible per GL (Property with Accessory Dwelling Units (ADU) are not allowed on rural properties). Subject has the following RURAL attributes and is deemed xxxxxx per GL. Two or more comps are over 5 miles away from subject. Neighborhood is under 25% developed, Zoning Calcification and Zoning description are xxxxxx. AUD with same or similar square footage as subject dwelling are ineligible. - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, rural properties are eligible to 80% om a purchase under this program. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 768 GUIDE MIN 720<br>CLTV is less than guidelines maximum - 80% LTV / Guide MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 849295 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 09:51 | 2025-10-29 09:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 768 GUIDE MIN 720<br>CLTV is less than guidelines maximum - 80% LTV / Guide MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849297 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-27 13:26 | 2025-12-09 18:40 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime - APR on subject loan is 7.972% is within allowable threshold of excess of allowable threshold of APOR 6.31% + 1.75 = 8.06% - Due Diligence Vendor-12/09/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime - APR on subject loan is 7.972% is within allowable threshold of excess of allowable threshold of APOR 6.31% + 1.75 = 8.06% - Due Diligence Vendor-12/09/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime - APR on subject loan is 7.972% is within allowable threshold of excess of allowable threshold of APOR 6.31% + 1.75 = 8.06% - Due Diligence Vendor-12/09/2025 | Months Reserves exceed minimum required - The minimum required reserves are 6 months and audit shows the borrower has 17.4 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 43% and the Audit DTI ratio is 12.05%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849297 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-27 13:16 | 2025-11-19 08:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in points. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Counter-----Please provide a COC for the re-lock on xxxxxx adjusting interest rate and adding discount points. ----Zero (0%) tolerance fees increased by $975.80 Points-Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $975.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration date xxxxxx. Finding Remains. - Due Diligence Vendor-11/07/2025 <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 $975.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $975.80 Points-Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $975.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration date xxxxxx - Due Diligence Vendor-10/27/2025 |  | Resolved-----Received COC for increase in points. Finding Resolved. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - The minimum required reserves are 6 months and audit shows the borrower has 17.4 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 43% and the Audit DTI ratio is 12.05%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849297 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-28 15:30 | 2025-11-05 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Operating Agreement confirming 100% ownership. - Due Diligence Vendor-11/05/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter to verify borrower's ownership percentage in the business as SOS website search and Google search of the business name do not confirm that the borrower is the owner - Due Diligence Vendor-10/28/2025 |  | Resolved-Received Operating Agreement confirming 100% ownership. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - The minimum required reserves are 6 months and audit shows the borrower has 17.4 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 43% and the Audit DTI ratio is 12.05%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849297 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-28 08:43 | 2025-10-28 15:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/28/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program The loan file contains an Exception Request (Page 9) for Rural properties and Rural is not allowed. - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - The minimum required reserves are 6 months and audit shows the borrower has 17.4 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 43% and the Audit DTI ratio is 12.05%. | DTI <= 40% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines<br> Credit Score 10 points > minimum required | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849304 | xxxxxx B A | Closed | xxxxxx | 2025-11-20 08:17 | 2025-11-20 08:17 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>LTV is less than guideline maximum - Required is 90 Borrower has 78.13 Required is 90 Borrower has 78.13<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.56 Required is 50 Borrower has 38.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 849311 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849328 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 15:13 | 2025-10-21 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-ACH form is not required only encouraged. - Due Diligence Vendor-10/16/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-10/10/2025 |  | Resolved-ACH form is not required only encouraged. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 50% LTV vs. max LTV 65%<br>Months Reserves exceed minimum required - >10 months vs. 0 months available |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849328 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 15:13 | 2025-10-21 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received inspection and confirmation of repairs completed. - Due Diligence Vendor-10/21/2025 <br> Open-The file does not contain the required structural engineer report per state law. - Due Diligence Vendor-10/10/2025 |  | Resolved-Received inspection and confirmation of repairs completed. - Due Diligence Vendor-10/21/2025<br>| LTV is less than guideline maximum - 50% LTV vs. max LTV 65%<br>Months Reserves exceed minimum required - >10 months vs. 0 months available |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849347 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849420 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 14:02 | 2025-11-18 14:45 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). --- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/18/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). --- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 25 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 849422 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 05:13 | 2025-10-09 11:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, legal description attachment not required, legal contained within the mortgage document itself. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-There is no exhibit a ??? this stip that was asked for needs to be completely removed as the stip is not even valid to this transaction … <br>There is the assignment of lease and rents, 1-4 rider, condo rider and ppp rider – the legal is within the deed itself… <br> - Seller-10/09/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A. - Due Diligence Vendor-10/09/2025 | Ready for Review-There is no exhibit a ??? this stip that was asked for needs to be completely removed as the stip is not even valid to this transaction … <br>There is the assignment of lease and rents, 1-4 rider, condo rider and ppp rider – the legal is within the deed itself… <br> - Seller-10/09/2025 | Resolved-Upon further review, legal description attachment not required, legal contained within the mortgage document itself. - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - Months reserves required is 2; qualifying reserves is 35.08 months.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.13; minimum DSCR is 0.75. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849433 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849458 | xxxxxx D B A | Closed | xxxxxx | 2025-10-30 14:48 | 2025-11-07 14:17 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use earnings from 2024 K1 (with 1% ownership) WITHOUT the 2024 personal tax returns being filed. - Due Diligence Vendor-11/07/2025 <br> Counter-Received duplicate exception - exception provided does not apply as 2024 IRS extension expired xxxxxx and subject loan closed xxxxxx. Provide updated IRS extension with updated client exception approval or evidence 2024 taxes filed. Additional conditions may apply - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/06/2025 <br> Open-Income and Employment Do Not Meet Guidelines The borrower is an attorney that receives her pay via K1 with guaranteed payments (1% ownership). Borrower has a history of K1 income with guaranteed payments however changed employers in Feb 2024. At prior employer she was paid the same way and we have the 2023 tax returns and K1. Borrower has not yet filed her 2024 personal 1040 tax returns since she is waiting on the K1 from her PRIOR employer. She does have the K1 for her CURRENT employer as well as CPA letter confirming income and ownership. We are seeking an exception to use earnings from 2024 K1 (with 1% ownership) WITHOUT the 2024 personal tax returns being filed.<br> - Due Diligence Vendor-10/30/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use earnings from 2024 K1 (with 1% ownership) WITHOUT the 2024 personal tax returns being filed. - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - DTI 32.51% max 50%<br>Months Reserves exceed minimum required - verd reserves equal 63.25 months. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines, DTI <= 36% which is below requirement in guideline, Residual Income Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849458 | xxxxxx D B A | Closed | xxxxxx | 2025-10-30 15:13 | 2025-11-03 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, this is not required for this lender. - Due Diligence Vendor-11/03/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, this is not required for this lender. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - DTI 32.51% max 50%<br>Months Reserves exceed minimum required - verd reserves equal 63.25 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 849499 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 09:27 | 2025-11-04 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax calculation provided. - Due Diligence Vendor-11/04/2025 <br> Open-Missing Evidence of Property Tax Document used to obtain xxxxxx per month not found. - Due Diligence Vendor-10/22/2025 |  | Resolved-Tax calculation provided. - Due Diligence Vendor-11/04/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $52K exceeds $5250 (1.5x $3500)<br>Months Reserves exceed minimum required - 20 months reserves exceeds 12 months required per guides |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849525 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849543 | xxxxxx D B A | Closed | xxxxxx | 2025-10-30 12:10 | 2025-11-12 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guidelines do not require a rent free letter. - Due Diligence Vendor-11/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent-free letter - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, the guidelines do not require a rent free letter. - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - Max DTI allowed = 43%. The borrower's DTI = 8.91%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 758<br>Months Reserves exceed minimum required - 21.47 mos reserves; 6 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849543 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 13:22 | 2025-11-07 07:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved------Received copy of initial 1003. Finding Resolved. - Due Diligence Vendor-11/07/2025 <br> Open-The Initial 1003 is Missing Earliest application in file is dated xxxxxx, which is after issuance of Initial LE dated xxxxxx. Please clarify true application date. - Due Diligence Vendor-10/28/2025 |  | Resolved------Received copy of initial 1003. Finding Resolved. - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI allowed = 43%. The borrower's DTI = 8.91%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 758<br>Months Reserves exceed minimum required - 21.47 mos reserves; 6 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849543 | xxxxxx D B A | Closed | xxxxxx | 2025-10-30 12:07 | 2025-11-04 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, the xxxxxx SOS printout provided in original submission shows biz as currently active and registered since xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter is missing the confirmation of the length of the borrower's self-employment - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, the xxxxxx SOS printout provided in original submission shows biz as currently active and registered since xxxxxx. - Due Diligence Vendor-11/04/2025 | Qualifying DTI below maximum allowed - Max DTI allowed = 43%. The borrower's DTI = 8.91%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 758<br>Months Reserves exceed minimum required - 21.47 mos reserves; 6 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849543 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 13:28 | 2025-10-28 13:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-10/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-10/28/2025<br>| Qualifying DTI below maximum allowed - Max DTI allowed = 43%. The borrower's DTI = 8.91%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 758<br>Months Reserves exceed minimum required - 21.47 mos reserves; 6 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849545 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849609 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 14:45 | 2025-11-05 07:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-------Received copy of PCCD. Finding Resolved. - Due Diligence Vendor-11/05/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/30/2025 |  | Resolved-------Received copy of PCCD. Finding Resolved. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - 31% DTI below 50% max per guides<br>LTV is less than guideline maximum - 60% max LTV is less than guide max of 70% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849609 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 14:37 | 2025-10-30 14:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - 31% DTI below 50% max per guides<br>LTV is less than guideline maximum - 60% max LTV is less than guide max of 70% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849624 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 10:37 | 2025-11-19 11:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received updated credit report. - Due Diligence Vendor-11/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Credit Report is Expired (Greater than 120 days from the Closing Date). 147 days old based on the original order date of xxxxxx. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received updated credit report. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 788 Minimum score allowed = 640. Borrower's qualifying score = 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.07 Max DTI allowed = 50%. The borrower's DTI = 29.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849624 | xxxxxx C A | Closed | xxxxxx | 2025-11-11 05:56 | 2025-11-19 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Received updated credit report. - Due Diligence Vendor-11/19/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). 147 days old based on the original order date of xxxxxx. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received updated credit report. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 788 Minimum score allowed = 640. Borrower's qualifying score = 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.07 Max DTI allowed = 50%. The borrower's DTI = 29.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849624 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 08:05 | 2025-11-18 10:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 788 Minimum score allowed = 640. Borrower's qualifying score = 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.07 Max DTI allowed = 50%. The borrower's DTI = 29.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849634 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:57 | 2025-11-07 11:26 | Resolved | 1 - Information C A | Credit | Borrower | Clarification of Application Date | Resolved-Rec'd Initial application. Finding resolved. - Due Diligence Vendor-11/07/2025 <br> Open--Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-11/02/2025 |  | Resolved-Rec'd Initial application. Finding resolved. - Due Diligence Vendor-11/07/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 14:00 | 2025-11-07 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-11/07/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:19 | 2025-11-07 08:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/02/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:19 | 2025-11-07 08:47 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/02/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/02/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 17:14 | 2025-11-07 08:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 77.82% exceeds Guideline CLTV of 75% Calculated CLTV is 7782% which exceeds the max allowed of 75%. Client Exception form in the file to allow up to a CLTV of 77.978%. Non material with comp factors. - Due Diligence Vendor-11/07/2025 <br> Open-Audited CLTV of 77.82% exceeds Guideline CLTV of 75% Calculated CLTV is 7782% which exceeds the max allowed of 75%. Exception form in the file to allow up to a CLTV of 77.978%. Non material with comp factors. - Due Diligence Vendor-11/04/2025 |  | Waived-Audited CLTV of 77.82% exceeds Guideline CLTV of 75% Calculated CLTV is 7782% which exceeds the max allowed of 75%. Client Exception form in the file to allow up to a CLTV of 77.978%. Non material with comp factors. - Due Diligence Vendor-11/07/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months | 0x30 for 48 months on all mortgages. Residual Income Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:43 | 2025-11-07 08:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD xxxxxx with COC. Finding Resolved. - Due Diligence Vendor-11/07/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-11/02/2025 |  | Resolved-----Received CD xxxxxx with COC. Finding Resolved. - Due Diligence Vendor-11/07/2025 | Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:35 | 2025-11-07 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved------Received LE xxxxxx and xxxxxx with COC. Finding Resolved. - Due Diligence Vendor-11/07/2025 <br> Open------Missing LE(s) and any associated COCs - Due Diligence Vendor-11/02/2025 |  | Resolved------Received LE xxxxxx and xxxxxx with COC. Finding Resolved. - Due Diligence Vendor-11/07/2025 | Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:54 | 2025-11-07 07:54 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-----Received copy of Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/07/2025 <br> Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-11/02/2025 |  | Resolved-----Received copy of Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/07/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 15:19 | 2025-11-07 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received copy of Homeownership Counseling List. Finding Resolved. - Due Diligence Vendor-11/07/2025 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. - Due Diligence Vendor-11/02/2025 |  | Resolved-Received copy of Homeownership Counseling List. Finding Resolved. - Due Diligence Vendor-11/07/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849652 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 13:22 | 2025-11-06 11:34 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-11/06/2025 <br> Open-Appraisal is Missing Missing the appraisal, file contains the CDA from xxxxxx only. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Appraisal - Due Diligence Vendor-11/06/2025<br>| Long term residence - borrower has resided in property since xxxxxx. Current mortgage history is 0x30 for 42 months.<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 42 Months Required = 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849654 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849666 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849675 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 13:29 | 2025-11-07 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-11/07/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing The lender's Bank Statement Analysis form is missing from the loan file. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI ratio is 50% / The borrower's DTI ratio is 3.94%. <br>Months Reserves exceed minimum required - Lender requires 3 months reserves / Borrower has 319 months verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 849686 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-31 10:01 | 2025-11-10 12:45 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing compliance documentation. - Due Diligence Vendor-11/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM status pending due to missing compliance documents to be able to run test. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received missing compliance documentation. - Due Diligence Vendor-11/10/2025<br>| Qualifying DTI below maximum allowed - DTI = 37.17% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 36 months – Required Reserves = 3 Months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849686 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-30 15:58 | 2025-11-10 07:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved------Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/10/2025 <br> Open-Missing Initial LE dated within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-10/30/2025 |  | Resolved------Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/10/2025 | Qualifying DTI below maximum allowed - DTI = 37.17% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 36 months – Required Reserves = 3 Months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849686 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-30 15:56 | 2025-11-10 07:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved------Received Initial CD Dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/10/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-10/30/2025 |  | Resolved------Received Initial CD Dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/10/2025 | Qualifying DTI below maximum allowed - DTI = 37.17% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 36 months – Required Reserves = 3 Months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849686 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-30 15:41 | 2025-11-10 07:32 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received Intent to Proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-11/10/2025 <br> Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-10/30/2025 |  | Resolved------Received Intent to Proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-11/10/2025<br>| Qualifying DTI below maximum allowed - DTI = 37.17% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 36 months – Required Reserves = 3 Months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849686 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-30 15:40 | 2025-10-30 15:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client waiver applied to non-material findings. (List of 10 is missing, acknowledgement with cfpb website is present in file) - Due Diligence Vendor-10/30/2025 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client waiver applied to non-material findings. (List of 10 is missing, acknowledgement with cfpb website is present in file) - Due Diligence Vendor-10/30/2025 | Qualifying DTI below maximum allowed - DTI = 37.17% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 36 months – Required Reserves = 3 Months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849689 | xxxxxx C B A | Closed | xxxxxx | 2025-11-06 14:18 | 2025-11-19 09:01 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/19/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($227.00) exceed the comparable charges ($182.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $26.80 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 $26.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitation: xxxxxx<br> - Due Diligence Vendor-11/06/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - minimum fico 680 qualifiying fico 778<br>Qualifying DTI below maximum allowed - 43.468% DTI; max 50% DTI required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849702 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849708 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849723 | xxxxxx D A | Closed | xxxxxx | 2025-11-16 12:02 | 2025-11-20 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-11/20/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File -----Attorney preference disclosure missing. Please provide disclosure - Due Diligence Vendor-11/17/2025 |  | Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 764 and minimum allowed is 680 Required is 680 Borrower has 764<br>Qualifying DTI below maximum allowed - DTI is 23.31% and max allowed is 50% Required is 50 Borrower has 26.62 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849792 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849794 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 07:13 | 2025-11-17 10:45 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received field review. - Due Diligence Vendor-11/17/2025 <br> Counter-Avm variance -10.19. Guideline states If the AVM reflects a value more than 10% below the appraised value , the file must include an enhanced desk review product, field review, or a second appraisal. - Due Diligence Vendor-11/03/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.19'. Missing either an enhanced desk review from approved vendor, field review, or second appraisal required per guidelines. Additional findings may apply. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received field review. - Due Diligence Vendor-11/17/2025<br>| CLTV is less than guidelines maximum - 41.2% CLTV is less than 90% maximum.<br>Qualifying DTI below maximum allowed - 36.23% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849794 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 07:02 | 2025-11-07 11:08 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Upon further review, the appraiser sufficiently addressed the owned xxxxxx. - Due Diligence Vendor-11/07/2025 <br> Counter-Received Appraisal Addendum. Addendum says "owned per owner". Missing documentation supporting proof of ownership. - Due Diligence Vendor-11/03/2025 <br> Open-Missing documentation supporting if xxxxxx is owned or lease. If applicable, any related monthly payment must be included and DTI recalculated. Per guidelines, If insufficient documentation is available and the ownership status of the xxxxxx is unclear, no value for the xxxxxx may be attributed to the property value on the appraisal unless the seller obtains a UCC "personal property" search that confirms the xxxxxx xxxxxx are not claimed as collateral by any non-mortgage lender. Appraisal notes that xxxxxx owned free and clear per owner (PDF 220), and includes adjustment for owned xxxxxx in grid (PDF 214). Additional findings may apply. - Due Diligence Vendor-10/28/2025 |  | Resolved-Upon further review, the appraiser sufficiently addressed the owned xxxxxx. - Due Diligence Vendor-11/07/2025<br>| CLTV is less than guidelines maximum - 41.2% CLTV is less than 90% maximum.<br>Qualifying DTI below maximum allowed - 36.23% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849794 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 07:06 | 2025-11-07 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the appraiser has sufficient addressed the xxxxxx. - Due Diligence Vendor-11/07/2025 <br> Counter-Received addendum. Appraiser did not address if the xxxxxx conversion meets zoning requirements and conforms to the neighborhood. additional findings may apply. - Due Diligence Vendor-11/03/2025 <br> Open-Appraiser to address if the xxxxxx conversion noted (PDF 220) meets zoning requirements and conforms to the neighborhood. additional findings may apply. - Due Diligence Vendor-10/28/2025 |  | Resolved-Upon further review, the appraiser has sufficient addressed the xxxxxx. - Due Diligence Vendor-11/07/2025 | CLTV is less than guidelines maximum - 41.2% CLTV is less than 90% maximum.<br>Qualifying DTI below maximum allowed - 36.23% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849794 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 07:32 | 2025-11-07 11:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-xxxxxx provide states the business has been operating since xxxxxx - Due Diligence Vendor-11/07/2025 <br> Counter-Received letter. xxxxxx indicate reorganized, but does not indicate initial start of company. SOS confirms xxxxxx, which is less than 24 months. - Due Diligence Vendor-11/03/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Guidelines require that the business being used to source income must be in existence for a minimum of two (2) years. Per xxxxxx letter, entity was reorganized from a sole proprietorship to an S-corporation effective xxxxxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-xxxxxx provide states the business has been operating since xxxxxx - Due Diligence Vendor-11/07/2025 | CLTV is less than guidelines maximum - 41.2% CLTV is less than 90% maximum.<br>Qualifying DTI below maximum allowed - 36.23% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849794 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 07:52 | 2025-11-03 12:06 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received proof noted principal address is noted business address. SOS does not register DBAs - Due Diligence Vendor-11/03/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing evidence that xxxxxx records match entity name that is used for Income. xxxxxx business search (PDF 82) shows a corporate name that does not include the dba noted on xxxxxx letter. Bank statements (PDF 92) are in the corporate name (does not include dba) and xxxxxx business search names dba (PDF 78). Additional findings may apply since the corporate bank statements were used for qualifying. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received proof noted principal address is noted business address. SOS does not register DBAs - Due Diligence Vendor-11/03/2025 | CLTV is less than guidelines maximum - 41.2% CLTV is less than 90% maximum.<br>Qualifying DTI below maximum allowed - 36.23% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849794 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 07:48 | 2025-11-03 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received proof noted principal address is noted business address. SOS does not register DBAs. - Due Diligence Vendor-11/03/2025 <br> Open-Missing evidence that xxxxxx records match entity name that is used for Income. xxxxxx business search (PDF 82) shows a corporate name that does not include the dba noted on xxxxxx letter. Bank statements (PDF 92) are in the corporate name (does not include dba) and google business search names dba (PDF 78). Additional findings may apply since the corporate bank statements were used for qualifying. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received proof noted principal address is noted business address. SOS does not register DBAs. - Due Diligence Vendor-11/03/2025<br>| CLTV is less than guidelines maximum - 41.2% CLTV is less than 90% maximum.<br>Qualifying DTI below maximum allowed - 36.23% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849806 | xxxxxx C A B | Closed | xxxxxx | 2025-10-29 08:11 | 2025-11-07 08:19 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-11/06/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/29/2025 |  | Resolved-Received approval. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 38.48%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620 / Borrower FICO 687 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849806 | xxxxxx C A B | Closed | xxxxxx | 2025-10-28 12:11 | 2025-11-06 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/06/2025 <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 $1.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1.80 (Loan Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Years: xxxxxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/06/2025 | LTV is less than guideline maximum - Max LTV 75% / Subject LTV 38.48%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620 / Borrower FICO 687 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849806 | xxxxxx C A B | Closed | xxxxxx | 2025-10-29 06:50 | 2025-10-31 12:20 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-10/31/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-10/31/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 38.48%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620 / Borrower FICO 687 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849810 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849936 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 12:51 | 2025-11-10 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-11/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers' qualifying FICO score is 784; guideline minimum is 680<br>Qualifying DTI below maximum allowed - The DTI is 21.11%; guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849936 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 12:51 | 2025-11-10 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-11/10/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers' qualifying FICO score is 784; guideline minimum is 680<br>Qualifying DTI below maximum allowed - The DTI is 21.11%; guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849956 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 18:28 | 2025-11-12 15:27 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow NSF exceeds maximum - Due Diligence Vendor-11/07/2025 <br> Open-Income and Employment Do Not Meet Guidelines Excessive NSFs, exception being requested. - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted to allow NSF exceeds maximum Non-material waiver applied with comp factors. - Due Diligence Vendor-11/07/2025 | Qualifying DTI below maximum allowed - DTI is 29.88%, max DTI is 50%<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 70 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849956 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 11:00 | 2025-11-05 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Income worksheet. - Due Diligence Vendor-11/05/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Income worksheet. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - DTI is 29.88%, max DTI is 50%<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 70 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849981 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849990 | xxxxxx D A | Closed | xxxxxx | 2025-11-13 12:16 | 2025-11-19 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/19/2025 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. xxxxxx requires two witnesses, but neither can be the notary. - Due Diligence Vendor-11/13/2025 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.69 Required is 50 Borrower has 27.69<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 811 Required is 640 Borrower has 811 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849990 | xxxxxx D A | Closed | xxxxxx | 2025-11-13 11:28 | 2025-11-19 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/19/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose _xxxxxx - The borrowers are required to execute the Borrower Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.69 Required is 50 Borrower has 27.69<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 811 Required is 640 Borrower has 811 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849990 | xxxxxx D A | Closed | xxxxxx | 2025-11-13 11:28 | 2025-11-19 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-11/19/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-11/14/2025 |  | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.69 Required is 50 Borrower has 27.69<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 811 Required is 640 Borrower has 811 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849995 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 15:19 | 2025-10-06 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Near xxxxxx has no min DSCR. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-we allow dscr under 1 on a xxxxxx. Its called a near xxxxxx. - Seller-10/03/2025 <br> Ready for Review-Document Uploaded. we allow dscr under 1 on a xxxxxx. Its called a near xxxxxx. - Seller-10/03/2025 <br> Open-The Calculated DSCR of '0.771' is less than the minimum DSCR per lender guidelines of '1'. validated that the DSCR is .77<br> Minimum DSCR on xxxxxx is 1 - Due Diligence Vendor-10/01/2025 | Ready for Review-we allow dscr under 1 on a xxxxxx. Its called a near xxxxxx. - Seller-10/03/2025 <br> Ready for Review-Document Uploaded. we allow dscr under 1 on a xxxxxx. Its called a near xxxxxx. - Seller-10/03/2025 | Resolved-Near xxxxxx has no min DSCR. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO is 699. Min FICO required is 660.<br>LTV is less than guideline maximum - LTV 57.02%. Max LTV allowed is 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850015 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 09:26 | 2025-11-17 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD rider and corrected security instrument with intent to re record. - Due Diligence Vendor-11/17/2025 <br> Open-PUD Rider is Missing Missing PUD Rider. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received PUD rider and corrected security instrument with intent to re record. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 11 mos reserves exceed minimum 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds min 660 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850015 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 13:11 | 2025-11-12 11:33 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Chain of title provided. - Due Diligence Vendor-11/12/2025 <br> Open-Unsatisfactory Chain of Title provided. NO title COT, property report, or fraud report provided to document purchase date. - Due Diligence Vendor-10/30/2025 |  | Resolved-Chain of title provided. - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - 11 mos reserves exceed minimum 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds min 660 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850015 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 14:01 | 2025-11-06 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-11/06/2025 <br> Open-Missing Third Party Fraud Report Risk Assessment / Fraud Report not found. Note suspense notice lists DataVerify report as a Prior to Doc condition. OFAC Check Not Completed and/or Cleared. All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/30/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 11 mos reserves exceed minimum 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds min 660 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850016 | xxxxxx C A | Closed | xxxxxx | 2025-10-27 10:33 | 2025-11-05 11:08 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received revised HOI Policy. - Due Diligence Vendor-11/05/2025 <br> Open-Subject Property on Note does not match Insured Property Address The property location city on the note and the hazard insurance declaration page are not the same. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received revised HOI Policy. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, file is 714<br>LTV is less than guideline maximum - Max LTV is 90, qualifying is 69.84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850022 | xxxxxx D A C | Closed | xxxxxx | 2025-10-30 13:52 | 2025-11-03 16:53 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-11/03/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiry on xxxxxx reporting on the UDM - Due Diligence Vendor-10/30/2025 |  | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 14.78%, guidelines max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - score for grading is 789, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850022 | xxxxxx D A C | Closed | xxxxxx | 2025-10-22 15:42 | 2025-11-03 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC for investor . - Due Diligence Vendor-11/03/2025 <br> Counter-Fraud Report Exclusionary List and Alert Summary provided. Please provide the documentation used to clear the OFAC for the Investor. - Due Diligence Vendor-10/30/2025 <br> Open-OFAC Check Not Completed and/or Cleared Fraud report reflects an alert for the Investor on the OFAC list. no documentation to support the alert has been cleared. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received OFAC for investor . - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 14.78%, guidelines max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - score for grading is 789, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850022 | xxxxxx D A C | Closed | xxxxxx | 2025-10-22 15:42 | 2025-11-03 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM for Underwriter. - Due Diligence Vendor-11/03/2025 <br> Counter-Fraud Report Exclusionary List and Alert Summary provided. Please provide the documentation used to clear the SAM.gov for the underwriter.<br> - Due Diligence Vendor-10/30/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Fraud report reflects an alert for the underwriter on the SAM.gov list with no documents to support the alert has been cleared. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received SAM for Underwriter. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 14.78%, guidelines max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - score for grading is 789, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850022 | xxxxxx D A C | Closed | xxxxxx | 2025-10-22 15:38 | 2025-10-30 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received UDM - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 14.78%, guidelines max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - score for grading is 789, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850022 | xxxxxx D A C | Closed | xxxxxx | 2025-10-22 15:23 | 2025-10-29 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for xxxxxx - Due Diligence Vendor-10/29/2025 <br> Counter-Received Mortgage statement for xxxxxx. Please provide HOI verification for xxxxxx. - Due Diligence Vendor-10/27/2025 <br> Open-Missing verification of hazard insurance for property xxxxxx listed on the final application. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received HOI for xxxxxx - Due Diligence Vendor-10/29/2025 | Qualifying DTI below maximum allowed - Calculated DTI is 14.78%, guidelines max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - score for grading is 789, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850022 | xxxxxx D A C | Closed | xxxxxx | 2025-10-20 11:08 | 2025-10-27 09:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for Credit Report increase lender paid. Finding Resolved. - Due Diligence Vendor-10/27/2025 <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 $18.11.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 $18.11 (Credit Report-Paid by Lender) 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 $18.11, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year: xxxxxx. - Due Diligence Vendor-10/20/2025 |  | Resolved------Received COC for Credit Report increase lender paid. Finding Resolved. - Due Diligence Vendor-10/27/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 14.78%, guidelines max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - score for grading is 789, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850051 | xxxxxx B A | Closed | xxxxxx | 2025-10-10 14:54 | 2025-10-13 21:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-10/14/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/10/2025 |  | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 13.99 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 850055 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 08:40 | 2025-11-03 11:50 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received 1 month statement dated prior to close. - Due Diligence Vendor-11/03/2025 <br> Counter-Received 10/14 statement xxxxxx xx-dated after Note date xxxxxx-provide previous statement. - Due Diligence Vendor-10/17/2025 <br> Open-Asset 1 Less Than 2 Months Verified Please provide a minimum of 1 month's bank statement to confirm asset (xxxxxx acct xxxxxx). - Due Diligence Vendor-10/09/2025 |  | Resolved-Received 1 month statement dated prior to close. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - Maximum LTV is 75% - actual is 68.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 660 - actual is 782 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850055 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 08:40 | 2025-11-03 11:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received confirmation of funds to escrow. - Due Diligence Vendor-10/17/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Bank print out dated 09/15/2025 provided - Please provide proof funds in the amount of $96,025.06 were provided at closing to escrow agent. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received confirmation of funds to escrow. - Due Diligence Vendor-10/17/2025<br>| LTV is less than guideline maximum - Maximum LTV is 75% - actual is 68.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 660 - actual is 782 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850055 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 08:10 | 2025-10-15 09:47 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. - Due Diligence Vendor-10/15/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. missing secondary valuation - please provide - Due Diligence Vendor-10/09/2025 |  | Resolved-Received Desk Review. - Due Diligence Vendor-10/15/2025<br>| LTV is less than guideline maximum - Maximum LTV is 75% - actual is 68.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 660 - actual is 782 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850060 | xxxxxx D B A | Closed | xxxxxx | 2025-11-10 15:42 | 2025-12-09 18:51 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - APR on subject loan of 8.991% is within allowable excess of allowable threshold of APOR 6.31% + 1.75 or 8.06% - Due Diligence Vendor-12/09/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - APR on subject loan of 8.991% is within allowable excess of allowable threshold of APOR 6.31% + 1.75 or 8.06% - Due Diligence Vendor-12/09/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - APR on subject loan of 8.991% is within allowable excess of allowable threshold of APOR 6.31% + 1.75 or 8.06% - Due Diligence Vendor-12/09/2025 | CLTV is less than guidelines maximum - Required is 85 Borrower has 57.04 Required is 85 Borrower has 57.04<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.87 Required is 50 Borrower has 28.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850060 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 09:09 | 2025-11-19 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-11/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/13/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-11/19/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 57.04 Required is 85 Borrower has 57.04<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.87 Required is 50 Borrower has 28.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850060 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 09:09 | 2025-11-19 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-11/19/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/13/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-11/19/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 57.04 Required is 85 Borrower has 57.04<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.87 Required is 50 Borrower has 28.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850060 | xxxxxx D B A | Closed | xxxxxx | 2025-11-10 15:07 | 2025-11-10 15:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-11/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-11/10/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 57.04 Required is 85 Borrower has 57.04<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.87 Required is 50 Borrower has 28.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850065 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 14:55 | 2025-11-24 07:29 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/24/2025 <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 $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $150.00 (Cert Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Year - Expiration date is xxxxxx.<br> - Due Diligence Vendor-11/10/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/24/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.39<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.68<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 651 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850067 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850072 | xxxxxx B A | Closed | xxxxxx | 2025-11-06 11:57 | 2025-11-12 16:11 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-11/06/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - LTV per G/L allowed = 80%. BRW LTV = 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 714. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850073 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850076 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850078 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 19:24 | 2025-11-04 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, this is a xxxxxx limited review. Nothing further is needed. - Due Diligence Vendor-11/04/2025 <br> Counter-HOA Questionnaire required-limited review Type Q not eligible per xxxxxx B4-2.2.01. Max LTV is 75% investment for Limited review outside of xxxxxx. - Due Diligence Vendor-10/30/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Although file contains a PUD/Condo Warranty for "Type Q Established Condominium Projects (Condo) (Limited Review)" the file is missing a condo questionnaire. - Due Diligence Vendor-10/28/2025 |  | Resolved-After further review, this is a condo limited review. Nothing further is needed. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 747.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 13.16 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850081 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-01 13:51 | 2025-11-05 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/05/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-11/01/2025 |  | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI is 50% / Audit DTI ratio is 35.66%.<br>Months Reserves exceed minimum required - The lender does not require any reserves for this loan / The borrower has over 48 months of reserves after closing.  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850081 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-03 17:39 | 2025-11-04 11:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors- Subject property is SFR with ADU's - Due Diligence Vendor-11/04/2025 <br> Open-Property Issues are identified for the property The loan file contains a Loan Exception Request (page 1) for the subject property. The subject property is a SFR (page 77) that has two ADU's that were permited and completed in a work like manner (accessory dwelling units). - Due Diligence Vendor-11/03/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- Subject property is xxxxxx - Due Diligence Vendor-11/04/2025 | Qualifying DTI below maximum allowed - Maximum DTI is 50% / Audit DTI ratio is 35.66%.<br>Months Reserves exceed minimum required - The lender does not require any reserves for this loan / The borrower has over 48 months of reserves after closing.  | DTI <= 36% which is below requirement in guidelines <br> Residual Income - Residual Income more than 2 5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850086 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850105 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 12:43 | 2025-10-22 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003. - Due Diligence Vendor-10/22/2025 <br> Open-Final 1003 indicates the borrower will occupy as a primary residence-correction required for DSCR loan - Due Diligence Vendor-10/20/2025 |  | Resolved-Received revised 1003. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 737 FICO, 700 required<br>Months Reserves exceed minimum required - 28 months reserves documented, 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850105 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 12:41 | 2025-10-22 10:43 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-10/22/2025 <br> Open-Missing Approval/Underwriting Summary 1008/Loan Approval is required to verify how the loan closed. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 737 FICO, 700 required<br>Months Reserves exceed minimum required - 28 months reserves documented, 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850106 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 15:00 | 2025-11-07 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Worksheet. - Due Diligence Vendor-11/07/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing The lender's bank statement analysis is not in the loan file. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Bank Statement Worksheet. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - The required reserves are 3 months and the borrower has over 27 months of reserves verified. <br>Qualifying DTI below maximum allowed - The maximum DTI ratio is 50% and the borrower has a DTI ratio at 30.01%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850106 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 12:18 | 2025-11-05 13:26 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client waiver applied to non-material finding with compensating factors. Documentation in file to support change-over of business from xxxxxx-based Inc., filed xxxxxx, to xxxxxx-based LLC, w/ articles of org filed xxxxxx. LOX provided to explain reason for change from Inc, to LLC. - Due Diligence Vendor-11/10/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Lender exception in file to allow less than 2-year history of the borrower's LLC. - Due Diligence Vendor-11/05/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Documentation in file to support change-over of business from xxxxxx-based Inc., filed xxxxxx, to xxxxxx-based LLC, w/ articles of org filed xxxxxx. LOX provided to explain reason for change from Inc, to LLC. DTI 30.01% (19.99% below max), 30 months of reserves (3 months required); however, the FiCO score of 658 was only 18 points above minimum of 640. - Due Diligence Vendor-11/10/2025 | Months Reserves exceed minimum required - The required reserves are 3 months and the borrower has over 27 months of reserves verified. <br>Qualifying DTI below maximum allowed - The maximum DTI ratio is 50% and the borrower has a DTI ratio at 30.01%. | DTI less than or equal to 40% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines<br> Credit Score 10 points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850117 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 12:42 | 2025-11-05 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free letter for previous housing - Due Diligence Vendor-11/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing previous housing history verification. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Rent Free letter for previous housing - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 660 minimum required.<br>Qualifying DTI below maximum allowed - 38.12% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850117 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 12:34 | 2025-11-05 08:19 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved------Received proof that LE was generated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/05/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-10/28/2025 |  | Resolved------Received proof that LE was generated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 759 FICO exceeds 660 minimum required.<br>Qualifying DTI below maximum allowed - 38.12% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850119 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 19:18 | 2025-10-13 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement analysis. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. income worksheet - Seller-10/10/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. income worksheet - Seller-10/10/2025 | Resolved-Received bank statement analysis. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 10.37mos reserves. Per guides, 6mos reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 708. Per guide, a minimum score required 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850119 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 19:37 | 2025-10-13 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-10/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-10/09/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 10.37mos reserves. Per guides, 6mos reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 708. Per guide, a minimum score required 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850119 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 09:30 | 2025-10-13 16:26 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received internet validation of business phone number. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx search - Seller-10/09/2025 <br> Open-Missing verification of business phone number via xxxxxx Search, 411.com or internet. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. xxxxxx search - Seller-10/09/2025 | Resolved-Received internet validation of business phone number. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 10.37mos reserves. Per guides, 6mos reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 708. Per guide, a minimum score required 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850120 | xxxxxx D A C | Closed | xxxxxx | 2025-10-28 09:27 | 2025-11-07 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement. - Due Diligence Vendor-11/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months housing history for most recent 12 months.<br> borrower was on banktruptcy discharged xxxxxx. - AG - Due Diligence Vendor-10/28/2025 |  | Resolved-Received credit supplement. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - LTV 60% max 75%.<br>Qualifying DTI below maximum allowed - qualifying DTI 42.44% max 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850120 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 13:03 | 2025-11-07 07:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received Affiliated Disclosure showing no affiliates. Finding Resolved, - Due Diligence Vendor-11/07/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-10/27/2025 |  | Resolved------Received Affiliated Disclosure showing no affiliates. Finding Resolved, - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - LTV 60% max 75%.<br>Qualifying DTI below maximum allowed - qualifying DTI 42.44% max 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850131 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850133 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 10:38 | 2025-11-06 12:07 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received HOA confirmation no inspection required. - Due Diligence Vendor-11/06/2025 <br> Counter-Milestone inspection is required if: Load-bearing components that extend beyond the exterior walls of the building and that are supported in whole or substantial part by wood or wood-based products and elevated more than 6 feet above ground level and designed for human occupancy or use which includes: Stairways and Walkways<br> HOA confirmation of no inspection required would be acceptable. <br> - Due Diligence Vendor-10/30/2025 <br> Open-The file does not contain the required structural engineer report per state law. Subject id s xxxxxx, missing the required structural engineering report. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received HOA confirmation no inspection required. - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 37.95$, max allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850133 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 10:31 | 2025-10-30 10:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves <4 months, applied to non material finding with comp factors - Due Diligence Vendor-10/30/2025 <br> Open-Audited Reserves of 3.93 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-10/28/2025 |  | Waived-Client provided a waiver for reserves <4 months, applied to non material finding with comp factors - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 37.95$, max allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 700. | DTI <= 40% which is below requirement in guidelines<br> Credit Score 20 points > minimum required<br> Self-employed for > 10 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850133 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 10:20 | 2025-10-28 10:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Borrower is living rent free at current residence, which is currently owned by an LLC. Owner of LLC and borrower are not related. Per rent-free LOE, the borrower and the owner of the LLC made an arrangement for the borrower to manage the property in return for the borrower living rent-free. Non-material with comp factors.<br> - Due Diligence Vendor-10/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-10/28/2025 |  | Waived-Borrower is living rent free at current residence, which is currently owned by an LLC. Owner of LLC and borrower are not related. Per rent-free LOE, the borrower and the owner of the LLC made an arrangement for the borrower to manage the property in return for the borrower living rent-free. Non-material with comp factors.<br> - Due Diligence Vendor-10/28/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 37.95$, max allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 700. | DTI <= 40% which is below requirement in guidelines, Credit Score Credit Score 20 points > minimum required Employment - Self Employed Self-employed for > 10 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850137 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 09:55 | 2025-10-08 09:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received copy of the prepayment penalty addendum to note. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document uploaded. Please see attached. - Due Diligence Vendor-10/08/2025 <br> Open-The Note is incomplete. Missing the prepayment penalty addendum to the Note. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received copy of the prepayment penalty addendum to note. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 685. Per guide, a minimum score required 660.<br>Months Reserves exceed minimum required - 15.64mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850154 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 16:22 | 2025-10-03 16:37 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received Processor Cert. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-10/01/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. CONSUMER STATEMENT ON CREDIT REPORT, PROVIDE EVIDENCE THIS HAS BEEN COMPLETED. ADDITIONAL CONDITIONS MAY APPLY. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. please see attached - Seller-10/01/2025 | Resolved-Received Processor Cert. - Due Diligence Vendor-10/03/2025<br>| Months Reserves exceed minimum required - 10.75 months reserves; minimum 4 months P&I reserves required<br>Qualifying DTI below maximum allowed - DTI IS 24.7% MAXIMUM DTI IS 49.99% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850154 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 16:22 | 2025-10-03 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Received Gap Report. - Due Diligence Vendor-10/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - 10.75 months reserves; minimum 4 months P&I reserves required<br>Qualifying DTI below maximum allowed - DTI IS 24.7% MAXIMUM DTI IS 49.99% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850155 | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 11:54 | 2025-10-08 10:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-10/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-10/07/2025 | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-10/08/2025 | Months Reserves exceed minimum required - 82.74mos reserves. Per guides, 4mos reserves required.<br>LTV is less than guideline maximum - Borr LTV 48.26%. Per guides, maximum LTV 70%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850155 | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 11:16 | 2025-09-29 11:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - 82.74mos reserves. Per guides, 4mos reserves required.<br>LTV is less than guideline maximum - Borr LTV 48.26%. Per guides, maximum LTV 70%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 850157 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 14:08 | 2025-11-06 12:17 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received milestone inspection-addresses items on condo questionnaire. - Due Diligence Vendor-11/06/2025 <br> Counter-Answer for questions 15-25 provided, please provide a copy of the inspection on xxxxxx. - Due Diligence Vendor-10/31/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Condo Questionnaire is incomplete. Questions 15-25 must all be completed and checked. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received milestone inspection-addresses items on condo questionnaire. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - LTV is 60% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 799 and minimum allowed is 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850157 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 14:14 | 2025-11-06 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement confirming 0x30 for 61 months. - Due Diligence Vendor-11/06/2025 <br> Counter-Received credit report-xxxxxx xx date of last activity reporting on credit report is 8/29/2024-provide acceptable VOM or credit supplement updating rating. - Due Diligence Vendor-10/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . Missing VOM for acct ending in xxxxxx for REO xxxxxx. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received credit supplement confirming 0x30 for 61 months. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - LTV is 60% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 799 and minimum allowed is 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850158 | xxxxxx B A | Closed | xxxxxx | 2025-09-29 11:55 | 2025-09-29 11:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - No reserves required - cash back shows they have 7.44 mos in reserves<br>LTV is less than guideline maximum - LTV Max is 75% - LTV for loan is 70.83% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 850159 | xxxxxx C B A | Closed | xxxxxx | 2025-09-26 09:03 | 2025-10-01 09:16 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-As you can see it on the FCD, it is a lender-paid compensation. Please waive this condition. - Seller-09/30/2025 <br>Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-09/26/2025 | Ready for Review-As you can see it on the FCD, it is a lender-paid compensation. Please waive this condition. - Seller-09/30/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 730, guidelines minimum is 660.<br>Months Reserves exceed minimum required - 17.67 verified months reserves, guideline requirement is 0 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850159 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 12:11 | 2025-09-25 12:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 730, guidelines minimum is 660.<br>Months Reserves exceed minimum required - 17.67 verified months reserves, guideline requirement is 0 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 850165 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 14:53 | 2025-11-07 09:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Client waiver applied to non-material finding with compensating factors. Exception for xxxxxx units are 60-days past due on HOA dues. HOA has sufficient excess reserves. - Due Diligence Vendor-12/11/2025 <br> Open-Property ineligible per seller guide (no more than 20% of units may be 60 or more days past due-xxxxxx units are 60-days past due pre condo questionnaire.) - Due Diligence Vendor-10/20/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for xxxxxx units are 60-days past due on HOA dues. HOA has sufficient excess reserves. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 680 required<br>Qualifying DTI below maximum allowed - 29% DTI, program allows 50% | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850165 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 11:25 | 2025-10-23 15:28 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Upon further review, no further documentation is needed or required. LE was signed by borrower on xxxxxx. CD was provided on xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Initial CD (xxxxxx) has been issued on the same date as the Final LE (xxxxxx) which is not allowable per applicable statute, must have a one day gap. Per statute, there is no cure for this violation. - Due Diligence Vendor-10/20/2025 |  | Resolved-Upon further review, no further documentation is needed or required. LE was signed by borrower on xxxxxx. CD was provided on xxxxxx. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 680 required<br>Qualifying DTI below maximum allowed - 29% DTI, program allows 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850167 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850171 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 11:59 | 2025-11-20 16:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Proof payment was made provided. Late payment a result of the servicing transfer. - Due Diligence Vendor-11/20/2025 <br> Counter-Received comments stating the request for an exception was granted, exception form not provided. - Due Diligence Vendor-11/20/2025 <br> Counter-Received payment history reflecting xxxxxx payment made xxxxxx a late charge was waived but unclear if xxxxxx or xxxxxx as xxxxxx payment made xxxxxx. Finding remains. - Due Diligence Vendor-11/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements For the FHA loan where the borrower is a non-occupant CB and is attached to REO xxxxxx the following is missing: (1) proof that the business paid the payment posted xxxxxx. Print out shows the business did NOT make the payment. (2) Servicer confirmation that the payment for xxxxxx made over 30 days late and posted with an effective date of xxxxxx was an error made by the Servicer due to the recent transfer of servicing. The servicing letter shows payments were eligible for receipt with the new servicer as of xxxxxx. (3) The mortgage for REO xxxxxx was NOT included in the DTI based on business paying the debt rather than the primary obligor. The mortgage is not claimed on the business returns. Additional findings may apply. - Due Diligence Vendor-10/27/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Proof payment was made provided. Late payment a result of the servicing transfer. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required | 41 months of reserves <br> 708 fico | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 12:30 | 2025-11-20 16:03 | Resolved | 1 - Information D A | Credit | Eligibility | Residual Income does not meet Guideline Requirements | Resolved-Received other REO owned property calculations with residual income calculation. - Due Diligence Vendor-11/10/2025 <br> Open-Residual Income does not meet Guideline Requirements Missing residual income calculation on the 1008 as required per Section 17. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received other REO owned property calculations with residual income calculation. - Due Diligence Vendor-11/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 12:41 | 2025-11-20 16:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Proof the 8/1 payment has been made by the borrower, not the business. - Due Diligence Vendor-11/20/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Housing History/DTI - lien for REO xxxxxx may have a 1x30 and missing documentation to support the business made the September payment to support exclusion from DTI. - Due Diligence Vendor-10/27/2025 |  | Resolved-Proof the 8/1 payment has been made by the borrower, not the business. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 12:31 | 2025-11-17 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received copy of check and loe confirming partial payment of large project. - Due Diligence Vendor-11/17/2025 <br> Open-Document source of large deposit for $846,991.02 on 09/03. Deposit is significantly greater than historical business revenues received (over 700% greater). Additional findings may apply. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received copy of check and loe confirming partial payment of large project. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 11:13 | 2025-11-06 12:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/06/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Prelim title report provided does not reflect the proposed insured and correct loan amount for the loan policy. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 12:05 | 2025-10-31 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report, clear alerts and OFAC for the borrower. - Due Diligence Vendor-10/31/2025 <br>Open-Third Party Fraud Report Partially Provided Missing documentation to address the additional identity reporting on Fraud. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Fraud Report, clear alerts and OFAC for the borrower. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 11:31 | 2025-10-31 07:29 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/31/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----Revised CD xxxxxx, with Closing costs of xxxxxx is not signed by borrower and there is no proof in the file the borrower received the CD prior to closing. - Due Diligence Vendor-10/24/2025 |  | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850184 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 09:59 | 2025-10-31 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-----Received final 1003. Finding resolved. - Due Diligence Vendor-10/31/2025 <br>Open-The Final 1003 is Missing Missing 1003 signed at closing. - Due Diligence Vendor-10/24/2025 |  | Resolved-----Received final 1003. Finding resolved. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 708; minimum required 680<br>Months Reserves exceed minimum required - 41.89 mos reserves; 12 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850211 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850224 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 08:33 | 2025-11-11 10:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Rental income is not being used for qualifying and the property report reflects the xxxxxx is owned free and clear. - Due Diligence Vendor-11/11/2025 <br> Counter-• Received Taxes for noted properties. Missing Leases for all properties noted. <br> • xxxxxx- reflected as owner but transaction summary does not reflect the transfer to confirm no lien in place. <br> - Due Diligence Vendor-11/05/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Status is Pending due to Missing evidence of following on REO's:<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003.<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003.<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes and Lease Agreement as reflected on Final 1003.<br> REO xxxxxx - Missing evidence of Taxes/Insurance as reflected on Final 1003. - Due Diligence Vendor-10/28/2025 |  | Resolved-Rental income is not being used for qualifying and the property report reflects the xxxxxx is owned free and clear. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 781.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 149.77 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850224 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 12:36 | 2025-11-11 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Rental income is not being used for qualifying and the property report reflects the xxxxxx is owned free and clear. - Due Diligence Vendor-11/11/2025 <br> Counter-• Received Taxes for noted properties. Missing Leases for all properties noted. <br> • xxxxxx- reflected as owner but transaction summary does not reflect the transfer to confirm no lien in place. <br> - Due Diligence Vendor-11/05/2025 <br> Open-Missing evidence of following on REO's:<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003.<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003.<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes/Insurance and Lease Agreement as reflected on Final 1003<br> REO xxxxxx - Missing evidence of Taxes and Lease Agreement as reflected on Final 1003.<br> REO xxxxxx - Missing evidence of Taxes/Insurance as reflected on Final 1003. - Due Diligence Vendor-10/28/2025 |  | Resolved-Rental income is not being used for qualifying and the property report reflects the xxxxxx is owned free and clear. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 781.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 149.77 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850224 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 07:22 | 2025-11-06 08:16 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-After further review, page one shows the borrowers are on title and page 7 confirms no conveyances in last 24 months. - Due Diligence Vendor-11/06/2025 <br>Counter-Received Title. Still missing 24 month Chain of title. Must at least document current ownership. - Due Diligence Vendor-11/05/2025 <br>Open-Unsatisfactory Chain of Title provided. Chain of Title not provided. - Due Diligence Vendor-10/28/2025 |  | Resolved-After further review, page one shows the borrowers are on title and page 7 confirms no conveyances in last 24 months. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 781.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 149.77 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850229 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 14:51 | 2025-11-12 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/12/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Internet business search does not reflect a date - Due Diligence Vendor-11/04/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - 14.01 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 800 FICO; 680 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850229 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 16:26 | 2025-11-11 10:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non-material finding with compensating factors- allow for 85% LTV for Rula property purchase - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/11/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Rural: Max LTV/CLTV 80% Purchase - Due Diligence Vendor-11/04/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- allow for 85% LTV for Rula property purchase - Due Diligence Vendor-11/11/2025 | Months Reserves exceed minimum required - 14.01 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 800 FICO; 680 required | Credit score 30+ point above min requirement<br> Reserves exceed min requirement by 10+ months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850229 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 11:56 | 2025-11-11 10:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received email from title confirming no additional witness signature required. - Due Diligence Vendor-11/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required witness signature - Due Diligence Vendor-11/05/2025 |  | Resolved-Received email from title confirming no additional witness signature required. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - 14.01 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 800 FICO; 680 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850229 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 11:00 | 2025-11-05 12:27 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/05/2025 <br>Open-Exception in file to allow < 24 months self-employment with current business (21 months). - Due Diligence Vendor-11/05/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - 14.01 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 800 FICO; 680 required | Credit Score 30+ points > minimum required<br> Residual income more than 2x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850230 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850265 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 14:57 | 2025-10-31 16:32 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-After further review, closing/disbursement is xxxxxx - Due Diligence Vendor-10/31/2025 <br> Ready for Review-The effective date is xxxxxx but the funding date is xxxxxx.<br>we go by the funding date. please waive condition<br> - Seller-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx CD - xxxxxx - Due Diligence Vendor-10/16/2025 | Ready for Review-The effective date is xxxxxx but the funding date is xxxxxx.<br>we go by the funding date. please waive condition<br> - Seller-10/29/2025 | Resolved-After further review, closing/disbursement is xxxxxx - Due Diligence Vendor-10/31/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 14 months are higher than 6 months required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 744 is higher than 660 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850265 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 15:34 | 2025-10-31 16:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received tax verification for xxxxxx, the correct property. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. xxxxxx where did you get the xxxxxx property as per our system the borrower only has xxxxxx are you referring to that property? if so please see attached - Seller-10/29/2025 <br> Counter-Please provide tax verification for the xxxxxx property. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. PLease see attached Tax Cert - Seller-10/24/2025 <br> Open-Income 2 Months Income Verified is Missing MISSING DOCUMENTATION LENDER USED TO VALIDATE PROPERTY TAXES - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. xxxxxx where did you get the xxxxxx property as per our system the borrower only has xxxxxx are you referring to that property? if so please see attached - Seller-10/29/2025 <br> Ready for Review-Document Uploaded. PLease see attached Tax Cert - Seller-10/24/2025 | Resolved-Received tax verification for xxxxxx, the correct property. - Due Diligence Vendor-10/31/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 14 months are higher than 6 months required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 744 is higher than 660 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 07:57 | 2025-11-05 14:02 | Resolved | 1 - Information A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Data entry error corrected - Due Diligence Vendor-11/05/2025 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,760.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/03/2025 |  | Resolved-Data entry error corrected - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 17:11 | 2025-11-05 14:01 | Resolved | 1 - Information A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Credit finding opened as this was not a compliance issue - Due Diligence Vendor-11/05/2025 <br>Open-The Final 1003 is Incomplete The top portion of all pages of the 1003 are missing. - Due Diligence Vendor-10/29/2025 |  | Resolved-Credit finding opened as this was not a compliance issue - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 17:07 | 2025-11-05 14:00 | Resolved | 1 - Information A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Credit finding opened as this was not a compliance issue - Due Diligence Vendor-11/05/2025 <br>Open-The Note is Incomplete The top portion of each page of the note is missing. - Due Diligence Vendor-10/29/2025 |  | Resolved-Credit finding opened as this was not a compliance issue - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 11:56 | 2025-11-03 09:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Final CD. - Due Diligence Vendor-11/03/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Status pending due to incomplete Final CD. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Final CD. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 15:13 | 2025-11-03 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received 12 months P&L - Due Diligence Vendor-11/03/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing The Profit and Loss Statement in file is for the period of 9/1/2025 to 8/01/2025. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received 12 months P&L - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 09:36 | 2025-11-03 09:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Legible copy of the Note. - Due Diligence Vendor-11/03/2025 <br>Open-There are Issues Present on the Note that must be addressed. The Note is Incomplete The top portion of each page of the note is missing.<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Legible copy of the Note. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 17:09 | 2025-11-03 09:37 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received legible copy of the Mortgage. - Due Diligence Vendor-11/03/2025 <br>Open-The Deed of Trust is Incomplete The top portion of all pages of the mortgage are missing. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received legible copy of the Mortgage. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 09:34 | 2025-11-03 09:34 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received legible copy of the 1003. - Due Diligence Vendor-11/03/2025 <br>Open-The Final 1003 is Incomplete The top portion of all pages of the 1003 are missing.<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-Received legible copy of the 1003. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850268 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 10:22 | 2025-11-03 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved------ Received complete copy of final CD. Finding Resolved. - Due Diligence Vendor-11/03/2025 <br>Open-TRID: Missing Final Closing Disclosure ------Final CD is partially unreadable due to scan - Due Diligence Vendor-10/27/2025 |  | Resolved------ Received complete copy of final CD. Finding Resolved. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 800<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50%, BRW's DTI is 40.09% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850331 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 14:13 | 2025-11-20 11:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received revised CPA confirming schedule C prior to incorporating into LLC-self employed over 24 months - Due Diligence Vendor-11/20/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Borrower has only had company since xxxxxx, does not meet guidelines: The business being used to source income must be in existence for a minimum of two (2) years. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received revised CPA confirming schedule C prior to incorporating into LLC-self employed over 24 months - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - DTI is 17.6%, maximum is 45%<br>Months Reserves exceed minimum required - 6 months reserves required, Borrower has 9 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850331 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:19 | 2025-11-20 11:50 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received validation of self employment. - Due Diligence Vendor-11/20/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower has less than 24 months self-employed in same business. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received validation of self employment. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - DTI is 17.6%, maximum is 45%<br>Months Reserves exceed minimum required - 6 months reserves required, Borrower has 9 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850331 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 10:18 | 2025-11-20 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report-sam clearance in file. - Due Diligence Vendor-11/20/2025 <br>Counter-\*\*Received Fraud Report. All parties are not included in Loan Participant Analysis. Missing Appraiser and Appraisal company. - Due Diligence Vendor-11/19/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/04/2025 |  | Resolved-Received complete fraud report-sam clearance in file. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - DTI is 17.6%, maximum is 45%<br>Months Reserves exceed minimum required - 6 months reserves required, Borrower has 9 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850331 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:16 | 2025-11-20 11:42 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-11/20/2025 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - DTI is 17.6%, maximum is 45%<br>Months Reserves exceed minimum required - 6 months reserves required, Borrower has 9 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850331 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 14:43 | 2025-11-19 11:39 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-11/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - DTI is 17.6%, maximum is 45%<br>Months Reserves exceed minimum required - 6 months reserves required, Borrower has 9 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850425 | xxxxxx C B A | Closed | xxxxxx | 2025-11-04 11:25 | 2025-11-06 16:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/06/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender did not use actual taxes and used no HOA fee for the subject property, results in excessive DTI. - Due Diligence Vendor-11/04/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 > 640 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $15K residual income. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850425 | xxxxxx C B A | Closed | xxxxxx | 2025-11-04 09:47 | 2025-11-05 10:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client exception granted for DTI exceeding 50%, waiver applied with compactors - Due Diligence Vendor-11/07/2025 <br>Open-Audited DTI of 50.9% exceeds Guideline DTI of 50% Lender did not use actual taxes and used no HOA fee for the subject property, results in excessive DTI. - Due Diligence Vendor-11/04/2025 |  | Waived-Client exception granted for DTI exceeding 50%, waiver applied with compactors - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 > 640 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $15K residual income. | Credit Score 20 points > minimum required<br> Assets300232-2 Residual Income Residual income more than 2.5x the amount required by guidelines<br> Assets300232-3 Housing (Mortgage) History 0x30 for 48 months on all mortgages<br> Assets300232-4 LTV/CLTV LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Appraisal300232-1 LTV/CLTV LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 300232-1 LTV/CLTV LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 300232-2 Reserves Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850425 | xxxxxx C B A | Closed | xxxxxx | 2025-11-04 09:49 | 2025-11-04 11:27 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted to allow 6 NSF in past 12 months . Non-material waiver applied with comp factors. Deemed non-material due to account dropped below minimum required resulted in fees however there was only one actual NSF reporting. - Due Diligence Vendor-11/04/2025 <br>Open-Borrower has nsf's on the business statements. An exception was provided. - Due Diligence Vendor-11/04/2025 |  | Waived-Client exception granted to allow 6 NSF in past 12 months . Non-material waiver applied with comp factors. Deemed non-material due to account dropped below minimum required resulted in fees however there was only one actual NSF reporting. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 > 640 required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $15K residual income. | Credit Score 20 points > minimum required<br> Residual income more than 2.5x the amount required by guidelines<br> 0x30 for 48 months on all mortgages<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850448 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850449 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850468 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 09:16 | 2025-11-14 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided with high alert cleared. - Due Diligence Vendor-11/14/2025 <br> Counter-Received fraud report-provide updated report reflecting all high and medium alerts cleared and provide SAM clearance. - Due Diligence Vendor-11/14/2025 <br> Open-Missing Third Party Fraud Report not provided - Due Diligence Vendor-11/05/2025 |  | Resolved-Fraud report provided with high alert cleared. - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - minimum fico 640 - borrowers fico 705<br>Months Reserves exceed minimum required - borrower has 10 months of reserves - 3 months required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850468 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 08:12 | 2025-11-14 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received post closing dated flood cert-not in flood zone and confirmed with appraisal. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/14/2025 <br> Open-Missing Flood Certificate Flood cert not provided - Due Diligence Vendor-11/05/2025 |  | Resolved-Received post closing dated flood cert-not in flood zone and confirmed with appraisal. - Due Diligence Vendor-11/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - minimum fico 640 - borrowers fico 705<br>Months Reserves exceed minimum required - borrower has 10 months of reserves - 3 months required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850468 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 09:12 | 2025-11-13 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter is not required per the guides. - Due Diligence Vendor-11/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for last 12 months of housing. - Due Diligence Vendor-11/05/2025 |  | Resolved-Rent free letter is not required per the guides. - Due Diligence Vendor-11/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - minimum fico 640 - borrowers fico 705<br>Months Reserves exceed minimum required - borrower has 10 months of reserves - 3 months required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850472 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850474 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850491 | xxxxxx C A | Closed | xxxxxx | 2025-11-07 09:03 | 2025-11-17 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see attached the fraud and data check. - Seller-11/13/2025 <br> Counter-No document received. Guideline states All parties to the transaction must be included in the fraud report performed by an automated fraud and data check vendor solution - Due Diligence Vendor-11/13/2025 <br> Ready for Review-If you are referring to the "Confirmation of Searches lists" in xxxxxx Fraud Manager (xxxxxx), we have never included the seller's and buyer's brokerage firms in these lists, nor have we ever been asked to do so. If this is indeed what you are referring to, please explain why it is necessary. If not, could you please clarify exactly what you are requesting? - Seller-11/13/2025 <br> Counter-Please add to the Confirmation of Searches. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-The seller's and buyer's brokerage firms are already reflected on pages 1 of 17 and 17 of 17 of the RPA, so could you clarify exactly what this is referring to? - Seller-11/08/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists The seller's and buyer's brokerage firms are missing from the Loan Participants List. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see attached the fraud and data check. - Seller-11/13/2025 <br> Ready for Review-If you are referring to the "Confirmation of Searches lists" in xxxxxx (xxxxxx), we have never included the seller's and buyer's brokerage firms in these lists, nor have we ever been asked to do so. If this is indeed what you are referring to, please explain why it is necessary. If not, could you please clarify exactly what you are requesting? - Seller-11/13/2025 <br> Ready for Review-The seller's and buyer's brokerage firms are already reflected on pages 1 of 17 and 17 of 17 of the RPA, so could you clarify exactly what this is referring to? - Seller-11/08/2025 | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/17/2025 | Qualifying DTI below maximum allowed - Max DTI 50% , Qualifying 41.98%<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 660; borrower's qualifying FICO score is 801. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850494 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 11:39 | 2025-11-25 15:58 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The insurance policy was provided for property xxxxxx. - Due Diligence Vendor-11/25/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing hazard insurance for REO xxxxxx on the final 1003. - Due Diligence Vendor-11/12/2025 |  | Resolved-The insurance policy was provided for property xxxxxx. - Due Diligence Vendor-11/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline FICO score minimum is 660. Borrowers qualifed with a 788 FICO score. Required is 660 Borrower has 788<br>Months Reserves exceed minimum required - Guidelines require 6 months reserves; 101.64 months reserves verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850494 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 09:14 | 2025-11-25 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The insurance policy was provided for property xxxxxx. - Due Diligence Vendor-11/25/2025 <br> Counter-Received HOI for xxxxxx. Missing HOI xxxxxx. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/24/2025 <br> Counter-Review is missing HOI for property xxxxxx-please provide. - Due Diligence Vendor-11/24/2025 <br> Open-Missing verification of monthly insurance premium for REO xxxxxx. Audit used lender's T&I payment noted on 1003 (PDF 7). Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-11/12/2025 |  | Resolved-The insurance policy was provided for property xxxxxx. - Due Diligence Vendor-11/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline FICO score minimum is 660. Borrowers qualifed with a 788 FICO score. Required is 660 Borrower has 788<br>Months Reserves exceed minimum required - Guidelines require 6 months reserves; 101.64 months reserves verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850494 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 10:55 | 2025-11-25 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Revised appraisal received with property transfer history. - Due Diligence Vendor-11/25/2025 <br> Counter-Received appraisal-unable to locate where the appraiser addressed the subject listing history. Finding remains. - Due Diligence Vendor-11/24/2025 <br> Open-Missing Property History Addendum. Page 1 of appraisal notes to see property history addendum for property listing history. However, box marked no for listed within past 12 months. Additional findings may apply. - Due Diligence Vendor-11/12/2025 |  | Resolved-Revised appraisal received with property transfer history. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline FICO score minimum is 660. Borrowers qualifed with a 788 FICO score. Required is 660 Borrower has 788<br>Months Reserves exceed minimum required - Guidelines require 6 months reserves; 101.64 months reserves verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850494 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 12:36 | 2025-11-24 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received confirmation non business purpose loan. - Due Diligence Vendor-11/24/2025 <br> Open-Loan submitted as business purpose loan: however, consumer debt was paid at close (PDF 303) and loan reviewed as a traditional conventional loan. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received confirmation non business purpose loan. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline FICO score minimum is 660. Borrowers qualifed with a 788 FICO score. Required is 660 Borrower has 788<br>Months Reserves exceed minimum required - Guidelines require 6 months reserves; 101.64 months reserves verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850495 | xxxxxx C A | Closed | xxxxxx | 2025-11-07 13:51 | 2025-11-13 09:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-11/07/2025 |  | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Qualifying DTI below maximum allowed - 40.66% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 779 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850524 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850541 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 08:47 | 2025-11-20 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C - Due Diligence Vendor-11/20/2025 <br> Counter-Client comments - Please review the transcripts in lieu of signed 4506c. AUDIT response - Transcripts provided, however we are missing the 4506-C - Due Diligence Vendor-11/14/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing. The 4506-C is required on standard documentation. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received 4506-C - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680 and the borrower has a 742 FICO score. Required is 680 Borrower has 742<br>CLTV is less than guidelines maximum - Guidelines allow a maximum CLTV of 90%. Subject CLTV is 56.39%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850544 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 09:52 | 2025-11-17 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Resolved-Received Certification of Trust. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see attached the trust cert. - Seller-11/13/2025 <br> Counter-Received Grant Deed. Missing Trust documents. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. The title has been changed from a trust to an individual name. Please see attached the Grant Deed. - Seller-11/11/2025 <br> Open-Missing trust documents. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. Please see attached the trust cert. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. The title has been changed from a trust to an individual name. Please see attached the Grant Deed. - Seller-11/11/2025 | Resolved-Received Certification of Trust. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 660<br>Months Reserves exceed minimum required - >88 months available vs. 4 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850558 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 09:36 | 2025-11-07 12:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received 1-4 family rider. - Due Diligence Vendor-11/07/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the required 1-4 family rider. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received 1-4 family rider. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score =780<br>Qualifying DTI below maximum allowed - calculated DTI is 34.41%, max allowed is 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850558 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 15:06 | 2025-11-04 10:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The undisclosed debt monitoring is dated 11 days prior to the note date, per the guidelines it should be within 10 days. - Due Diligence Vendor-10/31/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score =780<br>Qualifying DTI below maximum allowed - calculated DTI is 34.41%, max allowed is 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850568 | xxxxxx C A | Closed | xxxxxx | 2025-11-13 17:31 | 2025-11-20 08:21 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/20/2025 <br> Open------ Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-11/13/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/20/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 33.52% max 50%. Required is 50 Borrower has 33.52<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 784; minimum score 680. Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850573 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850593 | xxxxxx D B A | Closed | xxxxxx | 2025-11-20 13:41 | 2025-11-21 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, the lender provided Articles (recorded) and other provided SOS Entity documents to validate the inception (xxxxxx) of the business. (pages 266-269) - Due Diligence Vendor-11/21/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter missing verification of length of employment - Due Diligence Vendor-11/20/2025 |  | Resolved-After further review, the lender provided Articles (recorded) and other provided SOS Entity documents to validate the inception (xxxxxx) of the business. (pages 266-269) - Due Diligence Vendor-11/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.93<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850593 | xxxxxx D B A | Closed | xxxxxx | 2025-11-20 07:07 | 2025-11-20 07:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.93<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850613 | xxxxxx D A C | Closed | xxxxxx | 2025-10-14 17:42 | 2025-10-21 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-The CPA letter confirms that it is not necessary for the phone number to be listed. This condition has typically been waived in Clarifii under similar circumstances. We kindly ask that you reconsider this condition, and if not, please escalate for further review. - Seller-10/20/2025 <br> Counter-Received CPA letter. Guideline 10.1 indicate 12 month bank statement loans The following requirements must also be satisfied: § Borrower must be self-employed for at least 2 years in same line of work.§ Business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Borrower 1 CPA Letter Missing CPA Letter provided, however missing documentation to validate business telephone number via xxxxxx, 411, or standard internet search. - Due Diligence Vendor-10/14/2025 | Ready for Review-The CPA letter confirms that it is not necessary for the phone number to be listed. This condition has typically been waived in Clarifii under similar circumstances. We kindly ask that you reconsider this condition, and if not, please escalate for further review. - Seller-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-Received CPA letter. - Due Diligence Vendor-10/21/2025 | Qualifying DTI below maximum allowed - 42.63% DTI; max 49.99% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 763 is higher than 700 minimum required <br>On time mortgage history exceeds guideline requirement - Housing History reporting since 2020 (61 MO) is greater than the 12 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850613 | xxxxxx D A C | Closed | xxxxxx | 2025-10-14 17:42 | 2025-10-21 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received CPA letter. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-The CPA letter confirms that it is not necessary for the phone number to be listed. This condition has typically been waived in Clarifii under similar circumstances. We kindly ask that you reconsider this condition, and if not, please escalate for further review. - Seller-10/20/2025 <br> Counter-Received CPA letter. Guideline 10.1 indicate 12 month bank statement loans The following requirements must also be satisfied: § Borrower must be self-employed for at least 2 years in same line of work.§ Business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Borrower 2 CPA Letter Missing CPA Letter provided, however missing documentation to validate business telephone number via xxxxxx, 411, or standard internet search. - Due Diligence Vendor-10/14/2025 | Ready for Review-The CPA letter confirms that it is not necessary for the phone number to be listed. This condition has typically been waived in Clarifii under similar circumstances. We kindly ask that you reconsider this condition, and if not, please escalate for further review. - Seller-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-Received CPA letter. - Due Diligence Vendor-10/21/2025<br>| Qualifying DTI below maximum allowed - 42.63% DTI; max 49.99% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 763 is higher than 700 minimum required <br>On time mortgage history exceeds guideline requirement - Housing History reporting since 2020 (61 MO) is greater than the 12 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850613 | xxxxxx D A C | Closed | xxxxxx | 2025-10-13 10:57 | 2025-10-16 15:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-10/16/2025 | Qualifying DTI below maximum allowed - 42.63% DTI; max 49.99% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 763 is higher than 700 minimum required <br>On time mortgage history exceeds guideline requirement - Housing History reporting since 2020 (61 MO) is greater than the 12 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850615 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 09:46 | 2025-11-04 17:11 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-xxxxxx provided with acceptable FSD score, xxxxxx owns Collateral Analytics. - Due Diligence Vendor-11/04/2025 <br> Open-Per the xxxxxx - Primary valuation and secondary valuation are required for all loan files. - Due Diligence Vendor-11/04/2025 |  | Resolved-xxxxxx provided with acceptable FSD score, xxxxxx owns Collateral Analytics. - Due Diligence Vendor-11/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO is 777. Min FICO required is 700.<br>CLTV is less than guidelines maximum - CLTV is 80%. Max CLTV allowed is 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850615 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 18:54 | 2025-11-03 11:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved------Received copy of ROR. Finding Resolved. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. ROR uploaded - Seller-10/30/2025 <br> Open-Right of Rescission is Missing ----ROR submitted is not a complete copy. Please provide executed copy of ROR. <br> Additional findings may apply upon receipt.<br> - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. ROR uploaded - Seller-10/30/2025 | Resolved------Received copy of ROR. Finding Resolved. - Due Diligence Vendor-11/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO is 777. Min FICO required is 700.<br>CLTV is less than guidelines maximum - CLTV is 80%. Max CLTV allowed is 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850617 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850619 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 11:35 | 2025-12-10 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-Upon further review no additional documentation required as (Occupancy is Investment) - Due Diligence Vendor-12/09/2025 <br> Open-Second Home Rider is Missing - Due Diligence Vendor-10/14/2025 |  | Resolved-Upon further review no additional documentation required as (Occupancy is Investment) - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 762 which exceeds the minimum of 680<br>CLTV is less than guidelines maximum - LTV of 73.66% is below the maximum of 80% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850619 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 12:00 | 2025-12-10 09:58 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. REQUESTED DOCUMENTS UPLOADED - Seller-10/28/2025 <br> Open-Ten (10%) tolerance fees (Title - Administation Fee and Title Payoff Demand Fee) increased by $38.70 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 $38.70 , post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date xxxxxx . - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. REQUESTED DOCUMENTS UPLOADED - Seller-10/28/2025 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 762 which exceeds the minimum of 680<br>CLTV is less than guidelines maximum - LTV of 73.66% is below the maximum of 80% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850619 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 12:00 | 2025-12-10 09:57 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Zero (0%) tolerance fees increased by $80.00 (Flood Certificate and Tax Service) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $80.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 year, expiration date xxxxxx - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 762 which exceeds the minimum of 680<br>CLTV is less than guidelines maximum - LTV of 73.66% is below the maximum of 80% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850619 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 17:25 | 2025-10-30 13:06 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review no additional documentation required as originator confirmed non-business purpose. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Lender notes the loan purpose is not closed for business purpose, is closed vested as personal individuals and no acknowledgment of loan being Business purpose was executed. - Seller-10/10/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements All cash out was used to pay off personal debt. Guide is silent on the amount of proceeds allowed to be used for personal debt. Lender to confirm whether any of business purpose proceeds can be used towards personal debts. If none allowed, loan is subject to TRID requirements. - Due Diligence Vendor-09/29/2025 | Ready for Review-Lender notes the loan purpose is not closed for business purpose, is closed vested as personal individuals and no acknowledgment of loan being Business purpose was executed. - Seller-10/10/2025 | Resolved-Upon further review no additional documentation required as originator confirmed non-business purpose. - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 762 which exceeds the minimum of 680<br>CLTV is less than guidelines maximum - LTV of 73.66% is below the maximum of 80% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850619 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 09:57 | 2025-10-13 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached credit refresh - Seller-10/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing c - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Please see attached credit refresh - Seller-10/11/2025 | Resolved-Received Gap report. - Due Diligence Vendor-10/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 762 which exceeds the minimum of 680<br>CLTV is less than guidelines maximum - LTV of 73.66% is below the maximum of 80% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850620 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850621 | xxxxxx C A | Closed | xxxxxx | 2025-06-18 13:46 | 2025-08-04 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Certification of Trust. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached Trust Certificate. - Seller-08/01/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing copy of the vested trust or cert of trust. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached Trust Certificate. - Seller-08/01/2025 | Resolved-Received Certification of Trust. - Due Diligence Vendor-08/04/2025 | CLTV is less than guidelines maximum - CLTV is less than 45%, max allowed is 70%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 10.24 documented<br>Long term residence - Borrowers are current residence for 27 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.59 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850626 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 16:35 | 2025-10-31 16:01 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Rental income from subject not being used to qualify, changing occupancy on appraisal is minor in nature. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Lender disagrees due to all loan qualifications ratios and pricing is at a worst case scenario than the property being OO. So, the finding is inconsequential in that aspect and therefore the occupancy is not an issue. Kindly clear finding - Seller-10/29/2025 <br> Counter-Uncorrected appraisal indicates/creates an occupancy issue. Please have appraiser correct. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Please escalate this for manager review, finding is inconsequential to loan scenario with no rents used to qualify and is qualified using full documentation to support qualifying income source. - Seller-10/27/2025 <br> Counter-Please provide a revised appraisal. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Disagree, Appraisal may have the owner occupied box marked, however the REO is currently qualifying without any rents and the finding has no bearing on the qualifying parameters. This is an insignificant and unnecessary request. Please clear - Seller-10/20/2025 <br> Counter-Received appraisal-reflecting as owner occupied-provide corrected report. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025 <br> Open-Appraisal is Missing Provide missing appraisal dated xxxxxx, with appraised value of xxxxxx. - Due Diligence Vendor-10/06/2025 | Ready for Review-Lender disagrees due to all loan qualifications ratios and pricing is at a worst case scenario than the property being OO. So, the finding is inconsequential in that aspect and therefore the occupancy is not an issue. Kindly clear finding - Seller-10/29/2025 <br> Ready for Review-Please escalate this for manager review, finding is inconsequential to loan scenario with no rents used to qualify and is qualified using full documentation to support qualifying income source. - Seller-10/27/2025 <br> Ready for Review-Disagree, Appraisal may have the owner occupied box marked, however the REO is currently qualifying without any rents and the finding has no bearing on the qualifying parameters. This is an insignificant and unnecessary request. Please clear - Seller-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025 | Resolved-Rental income from subject not being used to qualify, changing occupancy on appraisal is minor in nature. - Due Diligence Vendor-10/31/2025 | CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 75%.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.64% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850629 | xxxxxx D A C | Closed | xxxxxx | 2025-10-10 17:52 | 2025-10-30 17:28 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Upon further review, no further documentation is needed or required. <br> - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx CD - Seller-10/28/2025 <br> Counter-Rec'd CD issued xxxxxx, which was provided in the original file. Provide PCCD issued after the xxxxxx closing/transaction date. Finding remains. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/15/2025 <br> Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. The PCCD was issued on the same date of the Final CD. Please Provide PPCD after xxxxxx - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached xxxxxx CD - Seller-10/28/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/15/2025 | Resolved-Upon further review, no further documentation is needed or required. <br> - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - 43.40% DTI below max of 50%<br>CLTV is less than guidelines maximum - Lender max CLTV 90%, subject CLTV 79.78% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850629 | xxxxxx D A C | Closed | xxxxxx | 2025-10-14 14:58 | 2025-10-17 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-10/15/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. please see attached - Seller-10/15/2025 | Resolved-Received business bank statement analysis. - Due Diligence Vendor-10/17/2025<br>| Qualifying DTI below maximum allowed - 43.40% DTI below max of 50%<br>CLTV is less than guidelines maximum - Lender max CLTV 90%, subject CLTV 79.78% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 09:15 | 2025-09-11 17:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/11/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% EXCEPTION REQUEST to exceed GL by 5% on CLTV - Due Diligence Vendor-08/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% | FICO SCORE IS AT LEAST 20 POINTS ABOVE minimum<br> dti 5% below max<br> mortgage history 0x30 24 months | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 09:57 | 2025-08-29 16:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factor - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Per guides, properties owned less than six (6) months ineligible, borrower purchased the property in xxxxxx. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factor - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% | Qualifying FICO score is at least 20 points above minimum for program<br> 5+ years Verified employment history exceeds guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | N/A | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 09:05 | 2025-08-28 12:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. - Due Diligence Vendor-08/28/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. Finding resolved. - Due Diligence Vendor-08/27/2025 |  | Resolved--Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850631 | xxxxxx D A | Closed | xxxxxx | 2025-10-13 15:49 | 2025-11-04 13:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI for REO xxxxxx - xxxxxx. - Seller-11/03/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing HOI for REO xxxxxx - Dec Page is missing Premium Amount - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see attached HOI for REO xxxxxx - xxxxxx. - Seller-11/03/2025 | Resolved-Received missing income documentation. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.12%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 704 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850631 | xxxxxx D A | Closed | xxxxxx | 2025-10-10 13:23 | 2025-11-04 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI and Tax verification. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI for xxxxxx. Also included property tax record, and PC 1008 and PC 1003 to show the updated DTI of 35.94% which is below the max DTI of 50%. - Seller-11/03/2025 <br> Open-Missing HOI for REO xxxxxx - Dec Page is missing Premium Amount - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see attached HOI for xxxxxx - xxxxxx. Also included property tax record, and PC 1008 and PC 1003 to show the updated DTI of 35.94% which is below the max DTI of 50%. - Seller-11/03/2025 | Resolved-Received HOI and Tax verification. - Due Diligence Vendor-11/04/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.12%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 704 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850640 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 15:00 | 2025-10-24 15:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver for DTI, applied to non material finding with comp factors. Non-Material as < 55%. - Due Diligence Vendor-10/24/2025 <br> Open-Audited DTI of 53.22% exceeds Guideline DTI of 50% \*New\* - Due Diligence Vendor-10/24/2025 |  | Waived-Originator provided a waiver for DTI, applied to non material finding with comp factors. Non-Material as < 55%. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - 695 > 660<br>Long term residence - Borrower at residence 9 years per 1003. | \* Residual Income =/> 1.5 times $3,500 monthly residual income<br> \* Reserves 3+ months above minimum required<br> \* 4+ years in primary residence | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 850640 | xxxxxx C B A | Closed | xxxxxx | 2025-10-13 14:30 | 2025-10-24 15:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Removed income per the originator. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003 and 1008 removing the 3rd income. Also attached is a copy of the Exception allowing the loan to close with a DTI up to 53%. - Seller-10/22/2025 <br> Counter-Finding is actually for xxxxxx. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-We respectfully disagree. According to the attached VOE, the borrower's start date with xxxxxx was xxxxxx, which as of the date of the VOE, was 1 year and 4 months. - Seller-10/16/2025 <br> Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached VOE, the borrower's start date with xxxxxx was xxxxxx, which as of the date of the VOE, was 1 year and 4 months. - Seller-10/14/2025 <br> Open-Income and Employment Do Not Meet Guidelines Borrower does not have at least 12 months of employment history at secondary employment with xxxxxx; only 4 months total time at employer at time of closing. Guide is silent on secondary employment, reverted to xxxxxx. Removal of this income would result in excessive DTI.<br>- Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see attached 1003 and 1008 removing the 3rd income. Also attached is a copy of the Exception allowing the loan to close with a DTI up to 53%. - Seller-10/22/2025 <br> Ready for Review-We respectfully disagree. According to the attached VOE, the borrower's start date with xxxxxx was xxxxxx, which as of the date of the VOE, was 1 year and 4 months. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached VOE, the borrower's start date with xxxxxx was xxxxxx, which as of the date of the VOE, was 1 year and 4 months. - Seller-10/14/2025 | Resolved-Removed income per the originator. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - 695 > 660<br>Long term residence - Borrower at residence 9 years per 1003. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850640 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 09:25 | 2025-10-24 15:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Removed income per the originator. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/22/2025 <br> Counter-Finding is actually for xxxxxx. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-We respectfully disagree. According to the attached VOE, the borrower's start date with xxxxxx was xxxxxx, which as of the date of the VOE, was 1 year and 4 months. - Seller-10/14/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower does not have at least 12 months of employment history at secondary employment with xxxxxx; only 4 months total time at employer at time of closing. Guide is silent on secondary employment, reverted to xxxxxx. Removal of this income would result in excessive DTI.<br> - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/22/2025 <br> Ready for Review-We respectfully disagree. According to the attached VOE, the borrower's start date with xxxxxx was xxxxxx, which as of the date of the VOE, was 1 year and 4 months. - Seller-10/14/2025 | Resolved-Removed income per the originator. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - 695 > 660<br>Long term residence - Borrower at residence 9 years per 1003. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850640 | xxxxxx C B A | Closed | xxxxxx | 2025-10-10 14:23 | 2025-10-16 13:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----missing legal description - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - 695 > 660<br>Long term residence - Borrower at residence 9 years per 1003. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850650 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 08:00 | 2025-11-06 15:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Property Inspection Report. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/04/2025 <br> Counter-Received AVM--Missing Property Condition Inspection from approved vendor per guidelines 3.1.1 - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx AVM. - Seller-10/29/2025 <br> Open-Appraisal is Missing Missing PCI per GL - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx AVM. - Seller-10/29/2025 | Resolved-Received Property Inspection Report. - Due Diligence Vendor-11/06/2025 | LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 53.8%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850650 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 07:29 | 2025-10-28 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Paystub dated after note date. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br> Counter-WVOE for xxxxxx provided, please provide VVOE for IHSS - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verbal not completed w/in 10 days of Note for all Employers - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025 | Resolved-Received Paystub dated after note date. - Due Diligence Vendor-10/28/2025 | LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 53.8%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850650 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 07:46 | 2025-10-16 14:06 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the UDN was located in the loan file. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The requested document was included in the delivered loan file. Please refer to page 165-184 and attached herein. The DV included UDN monitoring from xxxxxx, which is 10 days prior to the Note date. - Seller-10/14/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Drive report is dated over 10 days from Note date - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The requested document was included in the delivered loan file. Please refer to page 165-184 and attached herein. The DV included UDN monitoring from xxxxxx, which is 10 days prior to the Note date. - Seller-10/14/2025 | Resolved-Upon further review, the UDN was located in the loan file. - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 53.8%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850650 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 15:55 | 2025-10-16 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received complete Affidavit of Occupancy - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing PG 636 has an incomplete occupancy affidavit. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 | Resolved-Received complete Affidavit of Occupancy - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 53.8%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850679 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850689 | xxxxxx D B A | Closed | xxxxxx | 2025-11-03 14:45 | 2025-11-11 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Per the xxxxxx guidelines, a 4506-C is not required. - Due Diligence Vendor-11/11/2025 <br> Counter-B2 qualified as a wage earner which requires 2 years 4506C - Due Diligence Vendor-11/07/2025 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-11/03/2025 |  | Resolved-Per the xxxxxx guidelines, a 4506-C is not required. - Due Diligence Vendor-11/11/2025 | Months Reserves exceed minimum required - >41 months vs. 4 required<br>Credit history exceeds minimum required - Exceeds guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850689 | xxxxxx D B A | Closed | xxxxxx | 2025-11-02 08:38 | 2025-11-02 08:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding. - Due Diligence Vendor-11/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding. - Due Diligence Vendor-11/02/2025 | Months Reserves exceed minimum required - >41 months vs. 4 required<br>Credit history exceeds minimum required - Exceeds guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850698 | xxxxxx C B A | Closed | xxxxxx | 2025-10-27 14:44 | 2025-12-01 17:12 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-After further review, the appraiser did not indicate an issue, nothing further is required. - Due Diligence Vendor-12/01/2025 <br> Open-Missing originator certification that subject meets state xxxxxx requirements. Appraiser did not comment. - Due Diligence Vendor-10/27/2025 |  | Resolved-After further review, the appraiser did not indicate an issue, nothing further is required. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700<br>Qualifying DTI below maximum allowed - DTI = 27.91% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850698 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 13:16 | 2025-10-24 13:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700<br>Qualifying DTI below maximum allowed - DTI = 27.91% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850704 | xxxxxx C A | Closed | xxxxxx | 2025-10-27 12:13 | 2025-10-31 11:36 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received corrected Note, DOT and PCCD. Closing was on xxxxxx and credit report is dated 10/16. - Due Diligence Vendor-10/31/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Credit report pull date is after the note date and after disbursement date on the CD. Missing origination credit report. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received corrected Note, DOT and PCCD. Closing was on xxxxxx and credit report is dated 10/16. - Due Diligence Vendor-10/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - 770 > 680 required<br>Qualifying DTI below maximum allowed - 34.82% < 50% allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850715 | xxxxxx B A | Closed | xxxxxx | 2025-11-01 14:36 | 2025-11-02 08:52 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Client waiver applied to non-material finding. - Due Diligence Vendor-11/01/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Client waiver applied to non-material finding. - Due Diligence Vendor-11/01/2025 | Credit history exceeds minimum required - Trades paid as agreed 28+ months with required 12 months.<br>Months Reserves exceed minimum required - The Borrower has 12.88 months in reserves; guideline requires 4 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850730 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 10:50 | 2025-11-07 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit was pulled prior to disbursement. - Due Diligence Vendor-11/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Per guides, a xxxxxx credit report is required no more than 10 days prior to loan closing. The xxxxxx credit report was pulled after closing. - Due Diligence Vendor-10/31/2025 |  | Resolved-After further review, the gap credit was pulled prior to disbursement. - Due Diligence Vendor-11/07/2025 | Qualifying DTI below maximum allowed - 50% max DTI and the borrower has a 44.43% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - minimum 680 FICO required and borrower has a 783 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850730 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 11:00 | 2025-11-06 14:13 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD confirming sufficient funds verified. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/06/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-131.28'. Assets are Insufficient. Gift letter and escrow receipt in file for $109,500.96. No other assets documented in file. Borrower short cash to close. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received PCCD confirming sufficient funds verified. - Due Diligence Vendor-11/06/2025 | Qualifying DTI below maximum allowed - 50% max DTI and the borrower has a 44.43% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - minimum 680 FICO required and borrower has a 783 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850739 | xxxxxx C B A | Closed | xxxxxx | 2025-11-14 08:47 | 2025-11-17 12:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client requested wavier on non material finding with comp factors - Due Diligence Vendor-11/17/2025 <br> Open-Audited Reserves of 3.57 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/14/2025 |  | Waived-Client requested wavier on non material finding with comp factors - Due Diligence Vendor-11/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - 744 > 660 required<br>Verified employment history exceeds guidelines - B1 7 years and B2 10 years at employer<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.23 | 14k in residual monthly income | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850759 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 10:16 | 2025-11-10 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-The loan file contains an LOX that indicates $1,200 was allocated for xxxxxx. The seller concession does not exceed the max allowed and the appraisal indicated no repairs were required. - Due Diligence Vendor-11/10/2025 <br> Counter-Received duplicate CD-Please provide a break down of the seller credit, as a portion was to be used for closing costs and portion for xxxxxx. - Due Diligence Vendor-11/06/2025 <br> Counter-Please provide a break down of the seller credit, as a portion was to be used for closing costs and portion for xxxxxx. - Due Diligence Vendor-11/03/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase agreement (PDF 447) reflects a credit for undisclosed repairs that were included in seller credit on the final CD (PDF 281). Missing clarification for what the repairs are for and evidence the loan closed with purchase price reduced for the concession (inducement) for the repair credit. Additional findings may apply since Audit gave credit for the full seller credit.. - Due Diligence Vendor-10/28/2025 |  | Resolved-The loan file contains an LOX that indicates xxxxxx was allocated for xxxxxx. The seller concession does not exceed the max allowed and the appraisal indicated no repairs were required. - Due Diligence Vendor-11/10/2025 | Qualifying DTI below maximum allowed - 36.24% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 680 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850759 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 09:35 | 2025-11-10 12:08 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-After further review, the xxxxxx is never dated but indicates and annual revenue lookback that is within 60 days of closing. - Due Diligence Vendor-11/10/2025 <br> Counter-Dated Rentalizer provided does not support the xxxxxx amount used for qualification. - Due Diligence Vendor-11/03/2025 <br> Open-Guidelines require xxxxxx to be dated 90 days within the note date. xxxxxx in file is not dated (PDF 50). Audit is unable to determine compliance with guideline requirements. Additional findings may apply since short term rent used to qualify. - Due Diligence Vendor-10/28/2025 |  | Resolved-After further review, the xxxxxx is never dated but indicates and annual revenue lookback that is within 60 days of closing. - Due Diligence Vendor-11/10/2025 | Qualifying DTI below maximum allowed - 36.24% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 680 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850759 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 12:13 | 2025-11-06 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Received complete security instrument with Assignment of Leases Rents rider. - Due Diligence Vendor-11/06/2025 <br> Counter-Received Page 1 of 6 of the Assignment of Leases and Rents Rider. - Due Diligence Vendor-11/03/2025 <br> Open-Missing the 1-4 family rider to the mortgage. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received complete security instrument with Assignment of Leases Rents rider. - Due Diligence Vendor-11/06/2025 | Qualifying DTI below maximum allowed - 36.24% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 680 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850759 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 10:38 | 2025-11-04 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing a gap credit report or Undisclosed Debt Monitoring (UDM) report dated no more than 10- days prior to loan closing or any time after closing. - Due Diligence Vendor-10/28/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/04/2025 | Qualifying DTI below maximum allowed - 36.24% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 680 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850759 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 12:24 | 2025-11-03 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-11/03/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing documentation supporting borrower's legal status in xxxxxx meeting guideline requirements. 1003 notes borrower is permanent resident alien. Additional findings may apply. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-11/03/2025 | Qualifying DTI below maximum allowed - 36.24% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 680 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850759 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 10:56 | 2025-11-03 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-11/03/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for inquiries noted on PDF 408. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-11/03/2025 | Qualifying DTI below maximum allowed - 36.24% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 680 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850760 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850767 | xxxxxx D B A | Closed | xxxxxx | 2025-11-25 12:52 | 2025-12-05 08:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/02/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/25/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.78 Required is 50 Borrower has 36.78 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850767 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 16:09 | 2025-12-02 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation for unit xxxxxx - Due Diligence Vendor-12/02/2025 <br> Open-PROVIDE VERIFICATON OF TAXES INSURANCE AND HOA FEES ON RENT PROPERTY 1 - Due Diligence Vendor-11/24/2025 |  | Resolved-Received PITIA validation for unit xxxxxx - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.78 Required is 50 Borrower has 36.78 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850767 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 16:00 | 2025-12-02 10:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008. - Due Diligence Vendor-12/02/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-11/25/2025 |  | Resolved-Received 1008. - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.78 Required is 50 Borrower has 36.78 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850767 | xxxxxx D B A | Closed | xxxxxx | 2025-11-25 12:51 | 2025-11-26 12:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted to allow non warrantable condo, Non-material waiver applied with comp factors. non-material due to credit. Conversion of units took place without substantial renovations to units as do to quality of construction gut renovation was not needed- Due Diligence Vendor-11/26/2025 <br> Open-non warrantable condo non gut conversion that does not have<br> pers approval - Due Diligence Vendor-11/25/2025 |  | Waived-Originator exception granted to allow non warrantable condo, Non-material waiver applied with comp factors. non-material due to credit. Conversion of units took place without substantial renovations to units as do to quality of construction gut renovation was not needed- Due Diligence Vendor-11/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.78 Required is 50 Borrower has 36.78 | Credit Score 30+ points > minimum required<br> Reserves Reserves exceed requirement by 2 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 850776 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 21:45 | 2025-11-04 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquires reporting are a result of the subject transaction. - Due Diligence Vendor-11/04/2025 <br> Open-LOX for credit inquiries is missing. The LOX for credit inquiries is missing - Due Diligence Vendor-11/04/2025 |  | Resolved-After further review, the inquires reporting are a result of the subject transaction. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI allowed = 50%. The borrower's DTI = is less than 1%<br>LTV is less than guideline maximum - 75% LTV ratio, 80% max allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850777 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850781 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850793 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 14:31 | 2025-10-31 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-After further review, the inspection was done and the association is currently working on the xxxxxx needed. The subject unit is not listed as needing repairs. - Due Diligence Vendor-10/31/2025 <br> Open-The file does not contain the required structural engineer report per state law. Structural report is required to support Phase 1 has been completed. Subject is missing required milestone inspection as required by xxxxxx Senate Bill No. 326. Subject was built xxxxxx, more than xxxxxx units and contains xxxxxx and other xxxxxx need to be completed only emails show that Phase 1 is complete and Phase 2 still in process. See pg 773-948 - Due Diligence Vendor-10/29/2025 |  | Resolved-After further review, the inspection was done and the association is currently working on the xxxxxx needed. The subject unit is not listed as needing repairs. - Due Diligence Vendor-10/31/2025 | LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>On time mortgage history exceeds guideline requirement - 0x30x12 in past 40 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850793 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 14:09 | 2025-10-31 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the inspection was done and the association is currently working on the xxxxxx needed. The subject unit is not listed as needing repairs. - Due Diligence Vendor-10/31/2025 <br> Open-Property Issues are identified for the property Subject is missing required milestone inspection as required by xxxxxx Senate Bill No. 326. Subject was built 2001, more than xxxxxx units and contains xxxxxx and other xxxxxx need to be completed only emails show that Phase 1 is complete and Phase 2 still in process. See pg 773-948 - Due Diligence Vendor-10/29/2025 |  | Resolved-After further review, the inspection was done and the association is currently working on the xxxxxx needed. The subject unit is not listed as needing repairs. - Due Diligence Vendor-10/31/2025 | LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>On time mortgage history exceeds guideline requirement - 0x30x12 in past 40 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850800 | xxxxxx C A | Closed | xxxxxx | 2025-11-06 15:13 | 2025-11-13 11:26 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, the loan file contained all required documentation. Less than 20 units. - Due Diligence Vendor-11/13/2025 <br> Open-Fidelity Coverage not met. Master policy did not evidence fidelity coverage - Due Diligence Vendor-11/06/2025 |  | Resolved-Upon further review, the loan file contained all required documentation. Less than 20 units. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 42.61 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 780. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850815 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 11:10 | 2025-11-04 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 1 CPA Letter Missing P&L and re-verification of employment completed by CPA; however, the CPA letter is missing from the loan file. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received CPA letter. - Due Diligence Vendor-11/04/2025 | Months Reserves exceed minimum required - Reserves = 28 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 734, Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850818 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 14:16 | 2025-11-13 12:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Addendum to title provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title report does not reflect the coverage amount - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 | Resolved-Addendum to title provided. - Due Diligence Vendor-11/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 802<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 44.58% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850827 | xxxxxx B A | Closed | xxxxxx | 2025-10-30 15:03 | 2025-11-01 22:40 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception Approved: Borrower is a non-permanent resident and received $310,000 in gift funds. Guidelines state gift funds are not allowed for non-permanent residents. Exception in file. Non-Material- Funds Verified. Overlay - Due Diligence Vendor-11/02/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-10/30/2025 |  | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception Approved: Borrower is a non-permanent resident and received $310,000 in gift funds. Guidelines state gift funds are not allowed for non-permanent residents. Exception in file. Non-Material- Funds Verified. Overlay - Due Diligence Vendor-11/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 723 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 80% | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Residual income more than 2.5x the amount required by guidelines. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850827 | xxxxxx B A | Closed | xxxxxx | 2025-10-30 10:59 | 2025-10-30 10:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 723 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850837 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850844 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 08:57 | 2025-11-07 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation was provided. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Borrower Citizenship Documentation Is Missing Brw is Perm Res Alien; Missing County of Origin Documentation. Additional conditions may apply. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 | Resolved-Borrower Citizenship Documentation was provided. - Due Diligence Vendor-11/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - minimum fico 660 qualifying fico 770<br>Qualifying DTI below maximum allowed - qualifying DTI 25% max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850853 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 15:30 | 2025-11-04 17:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-A co-mingled bank statement is a personal account used by a borrower for both business and personal use. A separate business account is not required per guidelines. - Due Diligence Vendor-11/04/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing two months business bank statements. Personal bank statements being used for business use, the statements are not co-mingled, there are no personal transactions occurring. When using 12 months of personal statements to qualify 2 months of business bank statements are also required. The business bank statements must reflect business activity and transfers to the personal account. - Due Diligence Vendor-10/31/2025 |  | Resolved-A co-mingled bank statement is a personal account used by a borrower for both business and personal use. A separate business account is not required per guidelines. - Due Diligence Vendor-11/04/2025 | Months Reserves exceed minimum required - Minimum reserves required = 3 months PITI(a) for the subject property. The borrower has 17 months PITI(a)<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 640. Borrower's qualifying score = 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850853 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 09:03 | 2025-11-04 17:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income docs. ATR/QM status updated. - Due Diligence Vendor-12/09/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing two months business bank statements. Personal bank statements being used for business use, the statements are not co-mingled, there are no personal transactions occurring. When using 12 months of personal statements to qualify 2 months of business bank statements are also required. The business bank statements must reflect business activity and transfers to the personal account. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received income docs. ATR/QM status updated. - Due Diligence Vendor-12/09/2025 | Months Reserves exceed minimum required - Minimum reserves required = 3 months PITI(a) for the subject property. The borrower has 17 months PITI(a)<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 640. Borrower's qualifying score = 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850854 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 14:52 | 2025-11-20 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received confirmation from Escrow borrowers names and search completed. - Due Diligence Vendor-11/20/2025 <br> Counter-Received confirmation all parties searched. Missing Escrow Instructions or supplement reflecting insured borrowers names. - Due Diligence Vendor-11/18/2025 <br> Counter-Received email. - missing borrowers names reflecting on title supplement and confirmation all parties searched. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Counter-Received email confirming coverage - missing borrowers names reflecting on title supplement and confirmation all parties searched. - Due Diligence Vendor-11/11/2025 <br> Open-Title Document is Incomplete Partial Title is missing including the schedule A, chain of title, etc... Also, with the insured loan amount. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 | Resolved-Received confirmation from Escrow borrowers names and search completed. - Due Diligence Vendor-11/20/2025 | Qualifying DTI below maximum allowed - DTI = 42.65% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 680 and the borrower's fico score is 737. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850854 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 14:52 | 2025-11-20 11:38 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-11/11/2025 <br> Open-Unsatisfactory Chain of Title provided. Partial Title is missing including the schedule A, chain of title, etc... Also, with the insured loan amount. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received chain of title. - Due Diligence Vendor-11/11/2025 | Qualifying DTI below maximum allowed - DTI = 42.65% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 680 and the borrower's fico score is 737. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850854 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 16:30 | 2025-11-11 11:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received EMD gift letter. - Due Diligence Vendor-11/11/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements A gift letter for the amount of $62,400 is missing from the loan file. The loan file contains a wire transfer (page 101) for the EMD of $62,400 given on 10/10/2025 from the same donor who gave the borrower a gift of $42,000. However, a gift letter for that gift is missing from the loan file. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received EMD gift letter. - Due Diligence Vendor-11/11/2025 | Qualifying DTI below maximum allowed - DTI = 42.65% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 680 and the borrower's fico score is 737. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850854 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 11:30 | 2025-11-11 10:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd Affiliated Business Disclosure. Finding resolved - Due Diligence Vendor-11/11/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-10/28/2025 |  | Resolved-Rec'd Affiliated Business Disclosure. Finding resolved - Due Diligence Vendor-11/11/2025 | Qualifying DTI below maximum allowed - DTI = 42.65% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 680 and the borrower's fico score is 737. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850857 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 13:06 | 2025-11-20 11:34 | 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-11/20/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Exhibit A Legal Description - VERIFY LEGAL DISCRIPTION WAS RECORDED WITH MORTGAGE. (mortgage states see attached - NOT ATTACHMENT. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/20/2025 | Months Reserves exceed minimum required - RESERVES MORTHEN DOUBLE OF WHAT IS REQUIRED. <br>Qualifying DTI below maximum allowed - Audit DTI 46% Max Guide 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850857 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 12:55 | 2025-11-13 09:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. ----- Tolerance violation exceeds allowable by $1,550.31, and due to Federal or Section 32 High-Cost, the overage is not curable. Late Payment fee in excess of 4% (5%) not allowed on High Cost Loan. - Due Diligence Vendor-11/05/2025 |  | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - RESERVES MORTHEN DOUBLE OF WHAT IS REQUIRED. <br>Qualifying DTI below maximum allowed - Audit DTI 46% Max Guide 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850857 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 12:55 | 2025-11-13 09:40 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the xxxxxx or, if permitted by the Secretary, by a xxxxxx.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 xxxxxx 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. ----- Tolerance violation exceeds allowable by $1550.31, and due to Federal or Section 32 High-Cost, the overage is not curable. Missing Pre Counseling Disclosure. - Due Diligence Vendor-11/05/2025 |  | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - RESERVES MORTHEN DOUBLE OF WHAT IS REQUIRED. <br>Qualifying DTI below maximum allowed - Audit DTI 46% Max Guide 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850857 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 12:55 | 2025-11-13 09:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. ----- Tolerance violation exceeds allowable by xxxxxx, and due to Federal or Section 32 High-Cost, the overage is not curable. - Due Diligence Vendor-11/05/2025 |  | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - RESERVES MORTHEN DOUBLE OF WHAT IS REQUIRED. <br>Qualifying DTI below maximum allowed - Audit DTI 46% Max Guide 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850857 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 12:55 | 2025-11-13 09:40 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. ----- Tolerance violation exceeds allowable by $1,550.31, and due to Federal or Section 32 High-Cost, the overage is not curable. Missing the The High-Cost Mortgage Disclosure. - Due Diligence Vendor-11/05/2025 |  | Resolved------Received copy of New xxxxxx with corrected Undisclosed Rate. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - RESERVES MORTHEN DOUBLE OF WHAT IS REQUIRED. <br>Qualifying DTI below maximum allowed - Audit DTI 46% Max Guide 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850861 | xxxxxx D A | Closed | xxxxxx | 2025-11-13 11:42 | 2025-11-24 11:36 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert confirming subject is not in a flood zone. - Due Diligence Vendor-11/24/2025 <br> Open-\*\*\* NEW\*\*\*Flood Certification Date is greater than xxxxxx. Please provide initial flood cert. - Due Diligence Vendor-11/13/2025 |  | Resolved-Received flood cert confirming subject is not in a flood zone. - Due Diligence Vendor-11/24/2025 | Months Reserves exceed minimum required - 8.8 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score is 680 and the co-borrower has a 722 score. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850861 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 17:15 | 2025-11-13 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. Cert provided after note date. Alternate condition added. - Due Diligence Vendor-11/13/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-11/05/2025 |  | Resolved-Received Flood Cert. Cert provided after note date. Alternate condition added. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - 8.8 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score is 680 and the co-borrower has a 722 score. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850866 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 08:41 | 2025-11-26 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VOE for B2. - Due Diligence Vendor-11/17/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing verbal VOE obtained within 10 business days prior to the note date for B2's employment income. Guidelines defer to xxxxxx requirements. - Due Diligence Vendor-11/06/2025 |  | Resolved-Received VOE for B2. - Due Diligence Vendor-11/17/2025 | Qualifying DTI below maximum allowed - 32.64% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850866 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 09:17 | 2025-11-24 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received correct search - Due Diligence Vendor-11/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that potential match for B2 to GSA-EPLS and customer watchlist were cleared. File include SAM search (PDF 306) but the name inquired did not match the name on the fraud report (PDF 1255). - Due Diligence Vendor-11/06/2025 |  | Resolved-Received correct search - Due Diligence Vendor-11/24/2025 | Qualifying DTI below maximum allowed - 32.64% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850866 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 10:48 | 2025-11-20 11:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received confirmation no HOA on reo xxxxxx - Due Diligence Vendor-11/20/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents. - Due Diligence Vendor-11/06/2025 |  | Resolved-Received confirmation no HOA on reo xxxxxx - Due Diligence Vendor-11/20/2025 | Qualifying DTI below maximum allowed - 32.64% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850866 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 07:47 | 2025-11-20 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA for xxxxxx - Due Diligence Vendor-11/20/2025 <br> Open-Missing verification of HOA for B3's REO xxxxxx. If applicable, monthly fee to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-11/06/2025 |  | Resolved-Received confirmation no HOA for xxxxxx - Due Diligence Vendor-11/20/2025 | Qualifying DTI below maximum allowed - 32.64% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850866 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 08:29 | 2025-11-19 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-After further review, the loan meets xxxxxx requirement for a co-signor. All of the funds for the transaction came from B1 & B2 and B3 was removed from title. - Due Diligence Vendor-11/19/2025 <br> Open-Guidelines defer to xxxxxx for any items not addressed in the program guidelines. xxxxxx allows non-occupant borrowers on a principal residence transaction. Subject loan includes a non-occupant borrower for a second home transaction. - Due Diligence Vendor-11/06/2025 |  | Resolved-After further review, the loan meets xxxxxx requirement for a co-signor. All of the funds for the transaction came from B1 & B2 and B3 was removed from title. - Due Diligence Vendor-11/19/2025 | Qualifying DTI below maximum allowed - 32.64% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850866 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 07:17 | 2025-11-19 11:59 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received revised prelim removing non titled 3rd borrower from proposed. - Due Diligence Vendor-11/19/2025 <br> Counter-Received Warranty Deed. Did not reflect Name of third person that signed the note. - Due Diligence Vendor-11/13/2025 <br> Open-Property Title Issue Title commitment shows vesting in the three individuals who signed noted. However, mortgage is only signed by the two occupying borrowers. Non-occupying borrower did not sign mortgage. - Due Diligence Vendor-11/06/2025 |  | Resolved-Received revised prelim removing non titled 3rd borrower from proposed. - Due Diligence Vendor-11/19/2025 | Qualifying DTI below maximum allowed - 32.64% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 80% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 850867 | xxxxxx D A C | Closed | xxxxxx | 2025-11-12 10:20 | 2025-11-14 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received Note and Final CD. - Due Diligence Vendor-11/14/2025 <br> Open-PROVIDE REFINANCE DOCUMENTATION OF xxxxxx SHOWING PAYOFF OF xxxxxx AND xxxxxx AND SHOWING NEW PITIA ON xxxxxx. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received Note and Final CD. - Due Diligence Vendor-11/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 Required is 680 Borrower has 729<br>Qualifying DTI below maximum allowed - MAX ALLOWED 50% FILE AUDIT 33.29% Required is 50 Borrower has 33.29 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850867 | xxxxxx D A C | Closed | xxxxxx | 2025-11-10 08:44 | 2025-11-14 08:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in lender credit. Finding Resolved. - Due Diligence Vendor-11/14/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,375.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($9,562.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $9562.50 to $6375 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3187.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-11/10/2025 |  | Resolved------Received COC for decrease in lender credit. Finding Resolved. - Due Diligence Vendor-11/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 Required is 680 Borrower has 729<br>Qualifying DTI below maximum allowed - MAX ALLOWED 50% FILE AUDIT 33.29% Required is 50 Borrower has 33.29 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850909 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 12:04 | 2025-11-10 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-Upon further review, sufficient assets for closing and reserves provided. - Due Diligence Vendor-11/10/2025 <br> Counter-Reviewed assets - $201,423.61 available assets for closing. $28,500 EMD and $193,966.01 cash to close. - Due Diligence Vendor-10/28/2025 <br> Open-cash reserves less than required six months guidleines - Due Diligence Vendor-10/23/2025 |  | Resolved-Upon further review, sufficient assets for closing and reserves provided. - Due Diligence Vendor-11/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 14:58 | 2025-11-10 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Waived-The request for an exception for missing SSN verification eligibility criteria is granted. Non-Material, SSN Card provided. - Due Diligence Vendor-11/10/2025 <br> Counter-Copy of the SS Card and SAM.gov provided. Pending receipt of the SSN verification. - Due Diligence Vendor-11/03/2025 <br> Counter-Pending when the federal government resumes full operations - Due Diligence Vendor-10/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts The fraud report reflects an alert for the borrowers social security number and for the listing agent on the SAM.gov list. No documentation to support the alerts have been cleared. - Due Diligence Vendor-10/24/2025 |  | Waived-The request for an exception for missing SSN verification eligibility criteria is granted. Non-Material, SSN Card provided. - Due Diligence Vendor-11/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% | Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 10:49 | 2025-11-07 12:00 | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained sufficient assets for closing and reserves. - Due Diligence Vendor-11/07/2025 <br> Counter-As of 10/15/2025 the balance is $201,423.61. - Due Diligence Vendor-10/29/2025 <br> Counter-Received 1008. CD funds from borrower are inclusive of the EMD. Funds available for closing and reserves are noted as $201,423.61 per UW. - Due Diligence Vendor-10/28/2025 <br> Open-Audited Reserves of 1.31 month(s) are less than Guideline Required Reserves of 6 month(s) Guidelines require 6 months reserves based on principal and interest, verified reserves equal 1.31 months. - Due Diligence Vendor-10/24/2025 |  | Resolved-Upon further review, the loan file contained sufficient assets for closing and reserves. - Due Diligence Vendor-11/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 15:16 | 2025-11-07 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received 1007 - Due Diligence Vendor-10/28/2025 <br> Open-Audited DTI of 52.02% exceeds Guideline DTI of 50% The calculated DTI is 52.02% which exceeds the maximum allowed of 50%. Lender used positive rent for the subject property, documents support negative rental income. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received 1007 - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 15:18 | 2025-11-07 11:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received revised 1008 - Due Diligence Vendor-10/28/2025 <br> Open-Approval/Underwriting Summary Partially Provided The 1008 in the file reflects the subject is a primary, per the documents in the file the subject is an investment. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received revised 1008 - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 14:30 | 2025-10-28 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business Purpose Affidavit Disclosure - Due Diligence Vendor-12/09/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing the required business purpose affidavit. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received business Purpose Affidavit Disclosure - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850912 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 09:48 | 2025-10-28 09:53 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003. - Due Diligence Vendor-10/28/2025 <br>Open-The Final 1003 is Incomplete Per the final 1003, the subject property is a primary residence, occupancy cert in the file supports the subject is an investment.<br> - Due Diligence Vendor-10/28/2025 |  | Resolved-Received revised 1003. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 695, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - DTI = 37.07% - Max DTI = 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850916 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850936 | xxxxxx C A | Closed | xxxxxx | 2025-11-04 15:03 | 2025-11-10 12:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. COC uploaded - Seller-11/07/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,235.64) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,271.88). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Lender credit decreased from $6,271.88 to $6,235.64 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. COC uploaded - Seller-11/07/2025 | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 712, MINIMUM IS 680<br>LTV is less than guideline maximum - LTV IS 74.57%, MAXIMUM IS 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850943 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 16:47 | 2025-10-28 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the max DTI us 50%. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Updated 1003 uploaded - Max dti on a nonqm plus is 50%. We added back the lease and dti is under 50% at 46.097%. - Seller-10/28/2025 <br> Open-Audited DTI of 46.1% exceeds Guideline DTI of 45% Lender did not include xxxxxx lease payment of $375 from the credit report according to the figures on the 1008 which show only $85 in other payments. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Updated 1003 uploaded - Max dti on a nonqm plus is 50%. We added back the lease and dti is under 50% at 46.097%. - Seller-10/28/2025 | Resolved-After further review, the max DTI us 50%. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 732 vs. min FICO 680<br>Months Reserves exceed minimum required - >10 months available vs. 6 required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850943 | xxxxxx C A | Closed | xxxxxx | 2025-10-21 18:17 | 2025-10-28 10:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for CD xxxxxx. Finding Resolved. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. COC included in original upload. Lender credit changed due to rate and loan amount change. - Seller-10/24/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($15,184.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,601.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $15,601 to $15,184 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. COC included in original upload. Lender credit changed due to rate and loan amount change. - Seller-10/24/2025 | Resolved------Received COC for CD xxxxxx. Finding Resolved. - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 732 vs. min FICO 680<br>Months Reserves exceed minimum required - >10 months available vs. 6 required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850951 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 14:19 | 2025-11-11 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/11/2025 <br>Open-LOX for credit inquiries is missing. An inquiry letter is missing from the loan file. Guidelines require a LOE. - Due Diligence Vendor-11/05/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - 6 months reserves are required and the borrower has over 15 verified.<br>Qualifying DTI below maximum allowed - The maximum DTI ratio is 50% and the borrower's DTI ratio is at 27.32%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850952 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 09:47 | 2025-12-01 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Purchase Contract. - Due Diligence Vendor-12/01/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Original contract from xxxxxx is needed. Additional conditions may apply pending review. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received Purchase Contract. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 747 Required is 680 Borrower has 747<br>Qualifying DTI below maximum allowed - Max is 50%, Borrower has 26.32% Required is 50 Borrower has 26.32 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850975 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 16:38 | 2025-12-10 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received PTIN letter. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower Citizenship Documentation Is Missing ITIN requires one of the following, ITIN card in file does not meet requirements:<br> - IRS letter dated less than three years ago.<br> - Fully executed W7, including agent's signature<br> - Letter from Tax Preparer confirming filing of the borrower's most recent tax return with the IRS - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 | Resolved-Received PTIN letter. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - DTI 20.98% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.67 months reserves exceed required 6 by 10.67 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850975 | xxxxxx D A | Closed | xxxxxx | 2025-11-01 07:07 | 2025-11-14 17:01 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received revised 1003 - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Counter-Received LOE confirming cosigner marked in error-please provide corrected final 1003-no signature required. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. B2 declaration pg 1072 shows additional debts, missing LOE or proof of liability. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/08/2025 | Resolved-Received revised 1003 - Due Diligence Vendor-11/14/2025<br>| Qualifying DTI below maximum allowed - DTI 20.98% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.67 months reserves exceed required 6 by 10.67 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850979 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 08:40 | 2025-11-19 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/18/2025 <br>Counter-Received Closing Instructions. Title Document is Incomplete Title Coverage Amount missing from title - Due Diligence Vendor-11/17/2025 <br>Open-Title Document is Incomplete Title Coverage Amount missing from title - Due Diligence Vendor-11/12/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.57<br>CLTV is less than guidelines maximum - max 70% current CLTV 61% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850998 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 851006 | xxxxxx C A | Closed | xxxxxx | 2025-11-07 13:55 | 2025-11-17 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received acknowledgement from Lender fees where shopped for. Finding Resolved. - Due Diligence Vendor-11/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $774.95.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $774.95 (Condo Questionnaire, Recording, Gap Fee , ILAPLD, Settlement, Closing fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. Lender credit of $39.95 does not cover all of the increase. - Due Diligence Vendor-11/07/2025 |  | Resolved-----Received acknowledgement from Lender fees where shopped for. Finding Resolved. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - max = 50% FILE IS 26%<br>Months Reserves exceed minimum required - 150+ months reserves exceeds min 6 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851021 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 851078 | xxxxxx C A B | Closed | xxxxxx | 2025-10-30 12:46 | 2025-11-07 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Cert confirming assets used with final cd. - Due Diligence Vendor-11/07/2025 <br>Counter-Received Cert documenting funds used and final CD. - Due Diligence Vendor-11/05/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s). Provide sufficient assets for total reserves required. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Cert confirming assets used with final cd. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 739 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 36.67% and max allowed is 43% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851078 | xxxxxx C A B | Closed | xxxxxx | 2025-10-30 12:40 | 2025-11-07 14:23 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Cert confirming assets used with final cd. - Due Diligence Vendor-11/07/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. . Assets are Insufficient. Provide sufficient assets for closing. EMD check does not reflect the $10.00 check fee. (unable to use). - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Cert confirming assets used with final cd. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 739 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 36.67% and max allowed is 43% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851078 | xxxxxx C A B | Closed | xxxxxx | 2025-10-30 12:37 | 2025-11-05 10:25 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Cert confirming assets used with final cd. - Due Diligence Vendor-11/05/2025 <br> Open-Total Qualified Assets Post-Close amount is xxxxxx. Assets are Insufficient. Provide sufficient assets for closing. EMD check does not reflect the $10.00 check fee. (unable to use). - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Cert confirming assets used with final cd. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 739 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 36.67% and max allowed is 43% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851078 | xxxxxx C A B | Closed | xxxxxx | 2025-10-30 11:36 | 2025-10-30 13:41 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.708% is within allowable threshold of APOR of 6.29% + 1.75% or 8.04% - Due Diligence Vendor-11/04/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.708% is within allowable threshold of APOR of 6.29% + 1.75% or 8.04%. - Due Diligence Vendor-10/30/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.708% is within allowable threshold of APOR of 6.29% + 1.75% or 8.04% - Due Diligence Vendor-11/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 739 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 36.67% and max allowed is 43% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851102 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851103 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 14:04 | 2025-10-28 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received clearance documentation. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Counter-Received fraud report-provide SAM clearance and confirmation other High alerts cleared. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-10/22/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-10/22/2025 | Resolved-Received clearance documentation. - Due Diligence Vendor-10/28/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>Months Reserves exceed minimum required - 10 months PITIA reserves; 4 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851103 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 13:37 | 2025-10-24 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, the loan file contained all required detached condo documentation. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-dettached,please wavied - Seller-10/22/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-10/21/2025 | Ready for Review-dettached,please wavied - Seller-10/22/2025 | Resolved-Upon further review, the loan file contained all required detached condo documentation. - Due Diligence Vendor-10/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>Months Reserves exceed minimum required - 10 months PITIA reserves; 4 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851103 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 14:32 | 2025-10-24 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. xxxxxx HUSAND AND WIFE - Seller-10/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. xxxxxx HUSAND AND WIFE - Seller-10/22/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-10/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>Months Reserves exceed minimum required - 10 months PITIA reserves; 4 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851103 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 14:32 | 2025-10-24 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Husband and wife - Seller-10/22/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Husband and wife - Seller-10/22/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-10/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>Months Reserves exceed minimum required - 10 months PITIA reserves; 4 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851104 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 15:59 | 2025-12-01 10:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title. - Due Diligence Vendor-12/01/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). A review of the file did not show the loan amount updated in the title policy. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received updated Title. - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - 6 months reserves is required and the borrower has over 42 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851104 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 11:35 | 2025-11-17 11:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 6 months reserves is required and the borrower has over 42 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851105 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 14:28 | 2025-10-27 16:10 | Resolved | 1 - Information C A | Credit | Borrower | Clarification of Application Date | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Please refer to the page 208. - Seller-10/24/2025 <br>Open------Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-10/22/2025 | Ready for Review-Please refer to the page 208. - Seller-10/24/2025 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-10/27/2025<br>| Qualifying DTI below maximum allowed - the DTI of 43.06% less than the max 49.99%<br>Months Reserves exceed minimum required - 4.87 months reserves exceed required 0 months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851106 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851115 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 17:44 | 2025-11-05 18:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-SAM.gov provided. - Due Diligence Vendor-11/05/2025 <br> Counter-OFAC provided, Please provide SAM.gov - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts The fraud report reflects an alert for the lender on xxxxxx and for the listing agent on SAM.gov. No documentation to support the alerts have been cleared. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 | Resolved-SAM.gov provided. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 14.15 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 712 - minimum FICO is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851115 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 17:29 | 2025-11-05 16:02 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk review. Value Supported. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Missing the required desk review or CDA required by the guidelines. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 | Resolved-Received Desk review. Value Supported. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 14.15 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 712 - minimum FICO is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851115 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 12:03 | 2025-11-05 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE that is 10 days prior to the note as required by the guidelines. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 14.15 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 712 - minimum FICO is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851115 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 11:29 | 2025-11-05 15:57 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Supplemental Report w/sufficient coverage. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title supplement reflects coverage amount of xxxxxx, subject loan amount is xxxxxx. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 | Resolved-Received Supplemental Report w/sufficient coverage. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 14.15 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 712 - minimum FICO is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851315 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851316 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 08:19 | 2025-12-01 17:38 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived--Client exception granted to allow lesser fidelity coverage than is required, insurance policy showing Fidelity Coverage provided. Fidelity coverage for xxxxxx unit building shortage is offset but sufficient HOA reserves. - Due Diligence Vendor-12/01/2025 <br> Counter-Received Policy. Pg 28 appear list Crime and Fidelity under cancellation and nonrenewal. Fidelity coverage not reflected in documents provided. - Due Diligence Vendor-11/05/2025 <br> Open-Fidelity Coverage not met. HOA HOI missing fidelity coverage. - Due Diligence Vendor-10/29/2025 |  | Waived--Client exception granted to allow lesser fidelity coverage than is required, insurance policy showing Fidelity Coverage provided. Fidelity coverage for xxxxxx unit building shortage is offset but sufficient HOA reserves. - Due Diligence Vendor-12/01/2025 | Months Reserves exceed minimum required - Reserves = 28 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 773 Min FICO = 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851316 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 13:48 | 2025-11-03 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow for - Investor concentration is greater than guideline maximum of 60%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/30/2025 <br>Open-Investor concentration is greater than guideline maximum of 60%. Exception in file. - Due Diligence Vendor-10/30/2025 |  | Waived-Client exception granted to allow for - Investor concentration is greater than guideline maximum of 60%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Reserves = 28 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 773 Min FICO = 680 | Credit score 30+ points > minimum required.<br> Residual income more than 2.5x the amount required by guidelines. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851316 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 08:53 | 2025-10-30 13:50 | Resolved | 1 - Information B A | Property | Property | Condo Warrantable Comment Check | Resolved-Moved this to a credit finding - Due Diligence Vendor-10/30/2025 <br>Open-Make sure guides/matrix are verified and meet for this type of condo. If Condo Project is Not Warrantable ensure comment is left in comment box. Investor concentration is greater than guideline maximum of 60%. Exception in file. - Due Diligence Vendor-10/29/2025 |  | Resolved-Moved this to a credit finding - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Reserves = 28 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 773 Min FICO = 680 | Credit score 30+ points > minimum required.<br> Residual income more than 2.5x the amount required by guidelines. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851317 | xxxxxx B A | Closed | xxxxxx | 2025-11-17 10:05 | 2025-11-18 10:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are not eligible. The loan file contains an approved exception allowing rural property. - Due Diligence Vendor-11/17/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are not eligible. The loan file contains an approved exception allowing rural property. - Due Diligence Vendor-11/17/2025 | LTV is less than guideline maximum - Required is 90 Borrower has 45.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 35.69 months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851328 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-04 10:20 | 2025-11-18 10:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received CPA letter stating the borrower is 100% owner. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. 11/14/25 - See UPLd CPA letter confirming 100% ownership of the business. Manually uploaded thru xxxxxx. Conditions originally sent 11/11/25 w/ no updates since. - Buyer-11/14/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing verification of ownership of the business for xxxxxx in order to use business assets for closing. Funds needed for reserves. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received CPA letter stating the borrower is 100% owner. - Due Diligence Vendor-11/18/2025<br>| LTV is less than guideline maximum - 68.33% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 13.22% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851328 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-04 05:44 | 2025-11-13 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-11/13/2025 <br> Open-Borrower 1 CPA Letter Missing Missing verification that the borrower has ownership of at least 25% of the business with CPA letter, Tax Preparer letter, operating agreement, or equivalent reflecting the borrower's ownership percentage. File includes LOX from borrower that he is 100% owner (PDF 378, 537). File also includes xxxxxx entity information (PDF 543) that shows borrower as registered agent and notes 2500 total shares; however, ownership of the shares not documented. Additional findings may apply since Audit used 100% ownership per lender's worksheet. If less than 100% ownership, DTI to be recalculated - Due Diligence Vendor-11/04/2025 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - 68.33% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 13.22% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851328 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-02 09:52 | 2025-11-07 08:52 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-11/02/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-11/02/2025<br>| LTV is less than guideline maximum - 68.33% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 13.22% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 851328 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-04 05:57 | 2025-11-06 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report or Undisclosed Debt Monitoring (UDM) report dated no more than 30- days prior to loan closing or any time after closing. File included LOX for inquiries for report dated after origination report. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - 68.33% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 13.22% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851328 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-01 21:04 | 2025-11-01 21:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/02/2025<br>| LTV is less than guideline maximum - 68.33% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 13.22% DTI is less than 50% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 851359 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851372 | xxxxxx C B A | Closed | xxxxxx | 2025-11-19 11:04 | 2025-11-19 18:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | Waived--Borrower maintains separate HOI policy in addition to master coverage. Waiver applied to non-material finding. - Due Diligence Vendor-12/11/2025 <br> Open-Document Uploaded. Approved Exception in file.<br> Project's property insurance policy is not insured at 100% replacement cost valuation for xxxxxx; however, originator has an approved variance from the Client. - Due Diligence Vendor-12/11/2025 |  | Waived--Borrower maintains separate HOI policy in addition to master coverage. Waiver applied to non-material finding. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br>LTV is less than guideline maximum - Required is 85 Borrower has 62.02<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 18.24 | Comp factor Credit Score 10 points > minimum required-804(680); DTI <= 40% - 20% (45%); Residual income more than 1.5xthe amount required by guidelines: $19,327.73 ($2500); LTV/CLTV 5% or more below the maximum allowed under applicable guidelines: 63% (85%). | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851372 | xxxxxx C B A | Closed | xxxxxx | 2025-11-19 09:45 | 2025-11-19 18:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Client exception granted, waiver applied with comp factors. After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature nor impact subject unit or borrower. - Due Diligence Vendor-12/11/2025 <br> Open-The condo project has pending litigation. 3 Pending Litigations: The case involves an allegation that the plaintiff tripped and fell over xxxxxx The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance. The case involves an allegation that the plaintiff his claiming that mutual breached the governing documents by not granting membership and not allowing him to lease the subject unit. The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance. The case involves an allegation that the plaintiff in this case involves several allegations surrounding and alleged wrongful termination of lease and occupancy of rental unit. and the lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance. - Due Diligence Vendor-12/11/2025 |  | Waived-Client exception granted, waiver applied with comp factors. After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature nor impact subject unit or borrower. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br>LTV is less than guideline maximum - Required is 85 Borrower has 62.02<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 18.24 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851373 | xxxxxx D A C | Closed | xxxxxx | 2025-11-10 15:47 | 2025-11-19 11:08 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-11/19/2025 <br>Open-LOX for credit inquiries is missing. Missing LOX - Due Diligence Vendor-11/10/2025 |  | Resolved-Received LOE - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 Minimum score allowed = 680. Borrower's qualifying score = 791.<br>Qualifying DTI below maximum allowed - DTI per G/L 50% BRW DTI 38.85. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851373 | xxxxxx D A C | Closed | xxxxxx | 2025-11-07 13:47 | 2025-11-19 10:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-11/19/2025 <br>Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-11/07/2025 |  | Resolved------Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 Minimum score allowed = 680. Borrower's qualifying score = 791.<br>Qualifying DTI below maximum allowed - DTI per G/L 50% BRW DTI 38.85. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851376 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:30 | 2025-11-03 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Affiliated Business Disclosure. Finding Resolved. - Due Diligence Vendor-11/03/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-10/29/2025 |  | Resolved-----Received Affiliated Business Disclosure. Finding Resolved. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - 50% Allowed, subject 46% <br>Qualifying FICO score is at least 20 points above minimum for program - 620 required subject 647 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851379 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:24 | 2025-11-20 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received Corrected P&L. - Due Diligence Vendor-11/10/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing The years on the PnL are incorrect, as currently they show Oct 2024-Sept 2024 and Oct 2025-Sept 2025. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Corrected P&L. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.49 is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851379 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:31 | 2025-11-10 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.49 is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851379 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:31 | 2025-11-10 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report. - Due Diligence Vendor-11/10/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.49 is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851379 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:31 | 2025-11-10 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report. OFAC Check Completed and Cleared - Due Diligence Vendor-11/10/2025 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Fraud Report. OFAC Check Completed and Cleared - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.49 is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851379 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:31 | 2025-11-10 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-11/10/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/03/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.49 is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851386 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 15:07 | 2025-11-24 11:00 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title. Taxes are current and no judgement. - Due Diligence Vendor-11/24/2025 <br> Open-Property Title Issue- item#10 and 11. taxes and judgement. Provide updated clear title. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received Final Title. Taxes are current and no judgement. - Due Diligence Vendor-11/24/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 47.998% max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790 ; minimum score 680. Required is 680 Borrower has 790 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851426 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851453 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 15:29 | 2025-11-13 09:49 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received Intent to Proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-11/13/2025 <br> Open------Missing Intent to Proceed - Due Diligence Vendor-11/05/2025 |  | Resolved------Received Intent to Proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Months Reserves exceed minimum required - 8.01 months reserves and 6 months required.<br> Qualifying FICO score is at least 20 points above minimum for program - 779 FICO exceeds 700 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851470 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 15:06 | 2025-11-21 10:12 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, Principal Reduction and shipping Label. Finding is Cured. - Due Diligence Vendor-11/21/2025 <br> Counter-----Received copy of COC for the added CDA. The appraisal fee of $500 was not on the initial LE, but was added on the revised LE. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $500.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-11/06/2025 <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 $500.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $500.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $500.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations xxxxxx $0.20 is due to rounding - Due Diligence Vendor-10/30/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, Principal Reduction and shipping Label. Finding is Cured. - Due Diligence Vendor-11/21/2025 | Qualifying DTI below maximum allowed - 50 max; qualifying 21.08%<br> Months Reserves exceed minimum required - required 3 months: qualifying 9 months of reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851470 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 14:44 | 2025-10-30 15:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 | Qualifying DTI below maximum allowed - 50 max; qualifying 21.08%<br>Months Reserves exceed minimum required - required 3 months: qualifying 9 months of reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851484 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 15:02 | 2025-10-16 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please See xxxxxx - Seller-10/15/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. Please See xxxxxx - Seller-10/15/2025 | Resolved-Received Gap report. - Due Diligence Vendor-10/16/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 36.81 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 37.03% is lower than 49.99% max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851484 | xxxxxx D B A | Closed | xxxxxx | 2025-10-13 10:12 | 2025-10-13 10:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 36.81 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 37.03% is lower than 49.99% max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 851487 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 851494 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851524 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 13:46 | 2025-11-19 09:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/19/2025 <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 $1,095.19.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 $1095.00 Contract Processing Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1095.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration date xxxxxx<br> - Due Diligence Vendor-11/12/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/19/2025 | Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrowers' qualifying DTI is 46.24%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 700. Borrowers' qualifying credit score is 769. Required is 700 Borrower has 769 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851624 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851635 | xxxxxx B A | Closed | xxxxxx | 2025-11-19 08:15 | 2025-11-19 08:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Non-material 2 finding - Due Diligence Vendor-11/19/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Non-material 2 finding - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745<br> Qualifying DTI below maximum allowed - Required is 80 Borrower has 28.07 Required is 80 Borrower has 28.07 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 851713 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 10:16 | 2025-11-19 11:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 2 year income calculation for B2. - Due Diligence Vendor-11/19/2025 <br> Open-Income and Employment Do Not Meet Guidelines 2024 income calc currently used for the CB business xxxxxx which was started in 2021, per lender 1003, but need to confirm reason 2 yr average was not taken. No supporting documentation in file supporting income calculation, additional conditions may apply. - Due Diligence Vendor-11/13/2025 |  | Resolved-Received 2 year income calculation for B2. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 Required is 680 Borrower has 765<br> Months Reserves exceed minimum required - 27 months reserves exceeds 3 months per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851713 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 07:31 | 2025-11-19 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-11/19/2025 <br> Open-Missing Hazard Insurance Policy Not found in file - Due Diligence Vendor-11/13/2025 |  | Resolved-Received HOI policy - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 Required is 680 Borrower has 765<br> Months Reserves exceed minimum required - 27 months reserves exceeds 3 months per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851713 | xxxxxx D B A | Closed | xxxxxx | 2025-11-10 08:30 | 2025-11-10 08:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 Required is 680 Borrower has 765<br> Months Reserves exceed minimum required - 27 months reserves exceeds 3 months per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851719 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 09:48 | 2025-10-28 17:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Receive Title Supplement with sufficient coverage. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Proposed loan amount shown in title report is xxxxxx, please waive this condition - Seller-10/24/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage not sufficient - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Proposed loan amount shown in title report is xxxxxx, please waive this condition - Seller-10/24/2025 | Resolved-Receive Title Supplement with sufficient coverage. - Due Diligence Vendor-10/28/2025 | Credit history exceeds minimum required - Credit history exceeds minimum required of 2 reporting 24-months w/activity in last 12- months <br> Verified employment history exceeds guidelines - Verified employment history exceeds guidelines MINIMUM REQUIRED OF 24 MONTHS |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851722 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851749 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851801 | xxxxxx C A | Closed | xxxxxx | 2025-11-13 22:13 | 2025-11-26 11:10 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Source of funds are from xxxxxx account and the documents are in the loan file. - Due Diligence Vendor-11/26/2025 <br> Counter-Client Comments - That account was opened xxxxxx. - AUDIT response - Please provide the source of the funds used to open the account.<br> - Due Diligence Vendor-11/24/2025 <br> Open-Asset 3 Less Than 2 Months Verified. The loan file is missing 2 full months of the xxxxxx brokerage account (xxxxxx and xxxxxx). - Due Diligence Vendor-11/17/2025 |  | Resolved-Source of funds are from xxxxxx account and the documents are in the loan file. - Due Diligence Vendor-11/26/2025 | Verified employment history exceeds guidelines - Guidelines require a minimum of 2 years self-employment. The borrowers have 8 years verified self-employment.<br> Long term residence - The guidelines require a 12 month housing history. The borrowers have a 78 month housing history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851806 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851822 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 06:59 | 2025-10-30 16:53 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. final title policy - Seller-10/28/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Supplement/Escrow Amendment not provided. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. final title policy - Seller-10/28/2025 | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 55.54mos reserves. Per guides, no reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 41mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851823 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851856 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-30 16:27 | 2025-11-03 11:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-12/09/2025 <br> Open-The Final 1003 is Incomplete Page two is missing. - Due Diligence Vendor-10/30/2025 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-12/09/2025 | Qualifying DTI below maximum allowed - DTI = 37.66% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851856 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-31 12:19 | 2025-10-31 15:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Upon further review, lease in file therefore nothing additional required - Due Diligence Vendor-10/31/2025 <br> Open-Income 3 Months Income Verified is Missing Need proof of 1 months rent received to include the long term rental amount in the DTI. Bank statement for June 9, 2025 reflects a deposit of $4500, however July 14, 2025 shows a cash deposit of $4400, unable to determine if this is subject rental income. - Due Diligence Vendor-10/31/2025 |  | Resolved-Upon further review, lease in file therefore nothing additional required - Due Diligence Vendor-10/31/2025 | Qualifying DTI below maximum allowed - DTI = 37.66% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851856 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-30 16:33 | 2025-10-30 16:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/30/2025 | Qualifying DTI below maximum allowed - DTI = 37.66% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851878 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 10:06 | 2025-11-19 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the reserves are based on P & I only and the xxxxxx assets were not included. - Due Diligence Vendor-11/19/2025 <br> Open-Audited Reserves of 2.45 month(s) are less than Guideline Required Reserves of 4 month(s) - Audited Reserves of 2.45 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-11/17/2025 |  | Resolved-After further review, the reserves are based on P & I only and the xxxxxx assets were not included. - Due Diligence Vendor-11/19/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 35.80% max 50%. Required is 50 Borrower has 35.8<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 780 ; minimum score 680. Required is 680 Borrower has 780 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851886 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 08:35 | 2025-11-21 12:38 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR with a CU score of 2. - Due Diligence Vendor-11/21/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Loan file is absent 2nd valuation - Due Diligence Vendor-11/17/2025 |  | Resolved-Received SSR with a CU score of 2. - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 4 months of P&I reserves required, borrower has 15 months.<br>Qualifying DTI below maximum allowed - DTI = 32.63% - Max DTI = 50.00% Required is 50 Borrower has 32.48 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851887 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851896 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851913 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851916 | xxxxxx B A | Closed | xxxxxx | 2025-11-17 16:23 | 2025-11-24 11:36 | Resolved | 1 - Information B A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received updated HOI. - Due Diligence Vendor-11/24/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) Borrower's last name is misspelled - Due Diligence Vendor-11/17/2025 |  | Resolved-Received updated HOI. - Due Diligence Vendor-11/24/2025 | Months Reserves exceed minimum required - 8 months > 4 required.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851936 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851937 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851942 | xxxxxx D A | Closed | xxxxxx | 2025-11-18 11:55 | 2025-11-21 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no further documentation is needed or required. Affiliated Business Disclosure is in file. - Due Diligence Vendor-11/21/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-11/18/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Affiliated Business Disclosure is in file. - Due Diligence Vendor-11/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score Required is 680 Borrower has 712. Required is 680 Borrower has 712<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 44.75%. Required is 50 Borrower has 44.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851942 | xxxxxx D A | Closed | xxxxxx | 2025-11-18 15:07 | 2025-11-21 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is in the loan file. - Due Diligence Vendor-11/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Letter. - Due Diligence Vendor-11/18/2025 |  | Resolved-After further review, the gap credit is in the loan file. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score Required is 680 Borrower has 712. Required is 680 Borrower has 712<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 44.75%. Required is 50 Borrower has 44.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851982 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851991 | xxxxxx D A | Closed | xxxxxx | 2025-11-10 10:10 | 2025-11-19 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received preliminary title report. - Due Diligence Vendor-11/19/2025 <br> Open-Title Document is Incomplete Missing effective date - Due Diligence Vendor-11/10/2025 |  | Resolved-Received preliminary title report. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score = 769<br> Qualifying DTI below maximum allowed - Max DTI allowed = 50%. The borrower's DTI = 31.86 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852059 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852063 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 11:50 | 2025-11-19 09:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-------Received 1003 dated by Broker xxxxxx. - Due Diligence Vendor-11/19/2025 <br> Open-The Initial 1003 is Missing -----Initial application date provided in the file is xxxxxx. Please provide Initial application on or before the Lock date of xxxxxx. - Due Diligence Vendor-11/12/2025 |  | Resolved-------Received 1003 dated by Broker xxxxxx. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.43 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852121 | xxxxxx D A C | Closed | xxxxxx | 2025-11-06 10:33 | 2025-12-08 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE - Due Diligence Vendor-11/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE 10 days prior to close - Due Diligence Vendor-11/06/2025 |  | Resolved-Received pre close VVOE - Due Diligence Vendor-11/11/2025 | Credit history exceeds minimum required - Credit history 48 exceeds minimum required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $25764 =/> 1.5 times $3,500 monthly residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852121 | xxxxxx D A C | Closed | xxxxxx | 2025-11-06 10:33 | 2025-12-08 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE - Due Diligence Vendor-11/11/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide VVOE 10 days prior to close - Due Diligence Vendor-11/06/2025 |  | Resolved-Received pre close VVOE - Due Diligence Vendor-11/11/2025 | Credit history exceeds minimum required - Credit history 48 exceeds minimum required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $25764 =/> 1.5 times $3,500 monthly residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852121 | xxxxxx D A C | Closed | xxxxxx | 2025-11-06 13:00 | 2025-11-13 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the debts were corrected in the system and the DTI is within guidelines. - Due Diligence Vendor-11/13/2025 <br> Counter-Reviewed DTI - $48,625.03 total combined income, $14,915.03 subjects PITIA, $5,095.88 other REO loss and $4,387 consumer debt. - Due Diligence Vendor-11/13/2025 <br> Open-Audited DTI of 50.18% exceeds Guideline DTI of 50% 2nd home PITIA not captured. - Due Diligence Vendor-11/06/2025 |  | Resolved-After further review, the debts were corrected in the system and the DTI is within guidelines. - Due Diligence Vendor-11/13/2025 | Credit history exceeds minimum required - Credit history 48 exceeds minimum required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $25764 =/> 1.5 times $3,500 monthly residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852121 | xxxxxx D A C | Closed | xxxxxx | 2025-11-06 13:00 | 2025-11-13 16:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received confirmation of 6 months reserves. - Due Diligence Vendor-11/11/2025 <br> Open-Audited Reserves of 4.86 month(s) are less than Guideline Required Reserves of 9 month(s) 6 months of reserves needed for LTV over 80%. Additional reserves needed. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received confirmation of 6 months reserves. - Due Diligence Vendor-11/11/2025 | Credit history exceeds minimum required - Credit history 48 exceeds minimum required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $25764 =/> 1.5 times $3,500 monthly residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852121 | xxxxxx D A C | Closed | xxxxxx | 2025-11-05 13:11 | 2025-11-13 10:19 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in Credit Report. Finding Resolved. - Due Diligence Vendor-11/13/2025 <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 $64.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $64.50 (credit report) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $64.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration xxxxxx.<br> - Due Diligence Vendor-11/05/2025 |  | Resolved-----Received COC for increase in Credit Report. Finding Resolved. - Due Diligence Vendor-11/13/2025 | Credit history exceeds minimum required - Credit history 48 exceeds minimum required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $25764 =/> 1.5 times $3,500 monthly residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852141 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 15:52 | 2025-12-01 07:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received LE and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/01/2025 <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 $230.00.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 $230.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $230.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx Lender credit on final CD for increase in closing costs above legal limit, $89.29 is not sufficient. - Due Diligence Vendor-11/21/2025 |  | Resolved-----Received LE and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/01/2025 | LTV is less than guideline maximum - LTV is 30% and max allowed is 90%. Required is 90 Borrower has 30<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 660. Borrower's qualifying FICO is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852229 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 09:14 | 2025-11-10 15:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title was provided with coverage amount of xxxxxx. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see the title commitment - Seller-11/07/2025 <br> Counter-Received title commitment showing Loan Policy Proposed Insured as TBD and Proposed amount of Insurance as $0.00. Finding remains - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see the Title commitment. The proposed insured amount is xxxxxx - Seller-11/05/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Preliminary reflects no title coverage amount xxxxxx. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please see the title commitment - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. Please see the Title commitment. The proposed insured amount is xxxxxx - Seller-11/05/2025 | Resolved-Title was provided with coverage amount of xxxxxx. - Due Diligence Vendor-11/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 10:40 | 2025-11-06 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 35.63% is less than or equal to Guideline DTI of 49.99%. Received documentation, 13 months bank statements, to support mortgage payments are made by a 3rd party and not the borrower - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see the proof of the second home was paid by third party. - Seller-11/05/2025 <br> Open-Audited DTI of 61.31% exceeds Guideline DTI of 49.99% Calculated DTI is 61.31%, which exceeds the guideline maximum of 49.99%. Lender did not include the PITI for the borrowers' second home. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please see the proof of the second home was paid by third party. - Seller-11/05/2025 | Resolved-Audited DTI of 35.63% is less than or equal to Guideline DTI of 49.99%. Received documentation, 13 months bank statements, to support mortgage payments are made by a 3rd party and not the borrower - Due Diligence Vendor-11/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 10:50 | 2025-11-06 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The pending litigation does not involve the subject property. Additionally, the HOA is seeking additional relief for mediated settlement agreement. No additional documentation is needed or required - Due Diligence Vendor-11/06/2025 <br> Ready for Review-For pending litigation, this is PUD detached. Where did the reviewer find pending litigation?<br> And this is not a condo attached, and we are not required to review the litigation for HOA.<br> Could you please waive the condition? - Seller-11/05/2025 <br> Open-Documentation supports HOA has pending litigation. There are ongoing legal matters involving xxxxxx. In the cases titled xxxxxx vs. xxxxxx (Case No. xxxxxx) and xxxxxx vs. xxxxxx (Case No. xxxxxx), a mediated settlement agreement has been reached, establishing an amount owed to xxxxxx. xxxxxx maintains that xxxxxx is responsible for these obligations. Consequently, in the related lawsuit, xxxxxx vs. xxxxxx (Case No. xxxxxx),we have filed a Motion to Compel, seeking a judicial order requiring xxxxxx to pay xxxxxx directly. The matter is pending before the court, and we will continue to provide timely updates as the litigation progresses. - Due Diligence Vendor-11/03/2025 | Ready for Review-For pending litigation, this is PUD detached. Where did the reviewer find pending litigation?<br> And this is not a condo attached, and we are not required to review the litigation for HOA.<br> Could you please waive the condition? - Seller-11/05/2025 | Resolved-The pending litigation does not involve the subject property. Additionally, the HOA is seeking additional relief for mediated settlement agreement. No additional documentation is needed or required - Due Diligence Vendor-11/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 15:16 | 2025-11-06 10:41 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please See xxxxxx - Seller-11/04/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note dated xxxxxx. Gap report dated 10/14/2025, which is 13 days prior to the Note date. Gap report exceeds guideline requirement of 10 days. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please See xxxxxx - Seller-11/04/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 15:16 | 2025-11-06 10:41 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please See xxxxxx - Seller-11/04/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note dated xxxxxx. Gap report dated 10/14/2025, which is 13 days prior to the Note date. Gap report exceeds guideline requirement of 10 days. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please See xxxxxx - Seller-11/04/2025 | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 08:42 | 2025-11-06 10:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Received DOT with legal - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Please See DOt with legal descreption - Seller-11/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to the mortgage. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please See DOt with legal descreption - Seller-11/04/2025 | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Received DOT with legal - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852246 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 09:30 | 2025-10-31 09:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Verified credit score is 708, guideline minimum is 660.<br>LTV is less than guideline maximum - Subject LTV is 75%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852252 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852292 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852307 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 13:05 | 2025-11-25 13:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD and addendum with seller contributions. Sufficient reserves validated. - Due Diligence Vendor-11/25/2025 <br>Open-Audited Reserves of 1.26 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-11/21/2025 |  | Resolved-Received PCCD and addendum with seller contributions. Sufficient reserves validated. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.25 Required is 50 Borrower has 37.01 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852332 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 16:59 | 2025-11-26 14:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender Exception to allow a xxxxxx. - Due Diligence Vendor-11/25/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, Borrower FICO 700. Required is 660 Borrower has 700<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 41.79%. Required is 75 Borrower has 41.79 | DTI < 36%, Lender max 50%<br> Reserves exceed requirements by 6m or more.<br> LTV/CLTV is 10% below max allowed per guidelines.<br> Current Primary Home Ownership > 2 yrs.<br> Credit Score 30+ points > minimum required. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852332 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 18:20 | 2025-11-26 14:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025 <br> Open-Lender Exception Approved: Heloc being paid off taken out xxxxxx, considered cash-out within last 6 months. - Due Diligence Vendor-11/25/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, Borrower FICO 700. Required is 660 Borrower has 700<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 41.79%. Required is 75 Borrower has 41.79 | DTI < 36%, Lender max 50%<br> Reserves exceed requirements by 6m or more.<br> LTV/CLTV is 10% below max allowed per guidelines.<br> Current Primary Home Ownership > 2 yrs.<br> Credit Score 30+ points > minimum required. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852332 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 13:42 | 2025-11-26 14:24 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025 <br>Open-Lender exception in file to allow 4 NSF's in the last 12 months with 1 in last 3 months. - Due Diligence Vendor-11/26/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, Borrower FICO 700. Required is 660 Borrower has 700<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 41.79%. Required is 75 Borrower has 41.79 | DTI < 36%, Lender max 50%<br> Reserves exceed requirements by 6m or more.<br> LTV/CLTV is 10% below max allowed per guidelines.<br> Current Primary Home Ownership > 2 yrs.<br> Credit Score 30+ points > minimum required. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852332 | xxxxxx C B A | Closed | xxxxxx | 2025-11-24 15:54 | 2025-11-24 15:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, Borrower FICO 700. Required is 660 Borrower has 700<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 41.79%. Required is 75 Borrower has 41.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852332 | xxxxxx C B A | Closed | xxxxxx | 2025-11-24 15:48 | 2025-11-24 15:48 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/25/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, Borrower FICO 700. Required is 660 Borrower has 700<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 41.79%. Required is 75 Borrower has 41.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852364 | xxxxxx D B A | Closed | xxxxxx | 2025-11-21 12:54 | 2025-11-26 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received 1st Lien Note. - Due Diligence Vendor-11/26/2025 <br> Open- Missing Copy of 1st Lien note with xxxxxx Home loans/xxxxxx xxxxxx xx. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received 1st Lien Note. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 44.24% max 50%. Required is 50 Borrower has 44.24<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 40.62 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852364 | xxxxxx D B A | Closed | xxxxxx | 2025-11-21 15:16 | 2025-11-26 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C - Due Diligence Vendor-11/26/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Form provided only shows 2024, missing 2023 - Due Diligence Vendor-11/21/2025 |  | Resolved-Received 4506-C - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 44.24% max 50%. Required is 50 Borrower has 44.24<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 40.62 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852364 | xxxxxx D B A | Closed | xxxxxx | 2025-11-21 10:37 | 2025-11-21 10:37 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Client wavier applied to non-material finding. - Due Diligence Vendor-11/21/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Client wavier applied to non-material finding. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 44.24% max 50%. Required is 50 Borrower has 44.24<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 40.62 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852370 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 18:25 | 2025-11-20 17:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, this is a 2 year full doc loan. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. Pls. see uploaded email with the Investor which allowed us to use Standard Income instead of Asset Utilz. The standard/full doc income was the main income used to qualify. - Seller-11/20/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% The calculated LTV is 75%, maximum allowed per the guidelines is 70%. Subject is a cash out refinance of a primary residence using asset utilization to determine part of the income. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Pls. see uploaded email with the Investor which allowed us to use Standard Income instead of Asset Utilz. The standard/full doc income was the main income used to qualify. - Seller-11/20/2025 | Resolved-After further review, this is a 2 year full doc loan. - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - 3 months reserves required subject 118 <br>Credit history exceeds minimum required - 67 months mortgage history on credit. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 736 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852370 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 11:10 | 2025-11-17 11:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 3 months reserves required subject 118 <br>Credit history exceeds minimum required - 67 months mortgage history on credit. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 736 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 852381 | xxxxxx C B A | Closed | xxxxxx | 2025-11-16 10:57 | 2025-11-20 08:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-11/20/2025 <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form -----Missing ROR signed by Non-Borrowing Title Holder - Due Diligence Vendor-11/17/2025 |  | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.84 Required is 50 Borrower has 27.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 820 Required is 680 Borrower has 820 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852381 | xxxxxx C B A | Closed | xxxxxx | 2025-11-16 10:51 | 2025-11-17 07:33 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.84 Required is 50 Borrower has 27.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 820 Required is 680 Borrower has 820 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852383 | xxxxxx C A | Closed | xxxxxx | 2025-11-13 18:24 | 2025-11-17 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-11/17/2025 <br>Open-LOX for credit inquiries is missing. Lox for Credit inquiries is missing. - Due Diligence Vendor-11/13/2025 |  | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Required is 660 Borrower has 689 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852385 | xxxxxx B A | Closed | xxxxxx | 2025-11-24 14:43 | 2025-11-24 14:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/24/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 795<br>Months Reserves exceed minimum required - 3 months required borrower 16 months |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852430 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 852488 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852524 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852564 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852697 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 10:08 | 2025-11-20 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guidelines allow for a VOM to be used. - Due Diligence Vendor-11/20/2025 <br>Counter-Client comments - Additional payment history for private mortgages does not appear to be required by the guidelines. When any mortgage account is not listed on the credit report, VOM or equivalent is needed. VOM was provided. Please advise. - AUDIT response - Guidelines requires 6 months proof of payments. <br> - Due Diligence Vendor-11/20/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- A VOM was provided for a private mortgage being paid off on CD. Guidelines state when any mortgage account is not listed on the credit report, VOM or equivalent is needed such as - 12 months cancelled checks, ACH payments, bank transfer/wire, electronic payments, OR - 12 months mortgage statements, OR - 12 months loan payment history from creditor/servicer, plus proof of borrower's payment for the most recent 6 months. Additional findings may apply. - Due Diligence Vendor-11/14/2025 |  | Resolved-After further review, the guidelines allow for a VOM to be used. - Due Diligence Vendor-11/20/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 67.33 Required is 75 Borrower has 67.33<br>Long term residence - Borrower in subject primary 21 years. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852699 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852738 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852775 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852804 | xxxxxx C A B | Closed | xxxxxx | 2025-11-18 10:48 | 2025-12-01 08:49 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.357% is within allowable threshold of APOR of 6.17% + 1.75% or 7.92%. - Due Diligence Vendor-12/01/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.357% is within allowable threshold of APOR of 6.17% + 1.75% or 7.92%. - Due Diligence Vendor-11/18/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.357% is within allowable threshold of APOR of 6.17% + 1.75% or 7.92%. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 Required is 680 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.53 Required is 43 Borrower has 37.53 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852804 | xxxxxx C A B | Closed | xxxxxx | 2025-11-19 14:58 | 2025-11-25 10:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/25/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). title coverage not present - Due Diligence Vendor-11/19/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 Required is 680 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.53 Required is 43 Borrower has 37.53 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852815 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852816 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852825 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852917 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 10:57 | 2025-12-09 18:52 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.544% is within allowable threshold of APOR of 6.17% + 1.75% or 7.92%. - Due Diligence Vendor-12/09/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.544% is within allowable threshold of APOR of 6.17% + 1.75% or 7.92%. - Due Diligence Vendor-11/18/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.544% is within allowable threshold of APOR of 6.17% + 1.75% or 7.92%. - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, Borrower has 729 Required is 680 Borrower has 729<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, Borrower has 37.38% Required is 50 Borrower has 37.38<br>Months Reserves exceed minimum required - Borrower verified 12 months of reserves, 6 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852919 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 11:24 | 2025-11-04 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Gap Credit Report is Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 | Resolved-Received Credit Refresh - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 737 is higher than 720 minimum required <br>Months Reserves exceed minimum required - Qualifying Total Reserves 8 months are higher than 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852947 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852948 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 10:23 | 2025-11-24 10:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator waiver applied to non-material finding with compensating factors. Excerption for xxxxxx acres, max 10. - Due Diligence Vendor-11/24/2025 <br> Counter-Received underwriters narrative-property acreage does not meet guideline 14.3. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Please review this LOE from UW. - Seller-11/18/2025 <br> Open-Per the appraisal the subject property has xxxxxx acres. Per the guidelines the maximum acres is 10. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please review this LOE from UW. - Seller-11/18/2025 | Waived-Originator waiver applied to non-material finding with compensating factors. Excerption for xxxxxx acres, max 10. - Due Diligence Vendor-11/24/2025 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 | 1. LTV - 5% below the maximum allowed for the transaction.<br> 2. DTI is at 1.39%. 48% below the maximum allowed for the transaction.<br> 3. FICO > 146pts over minimum<br> 4. Significant job time - over 40 years<br> 5. Significant time in primary house - over 19 years<br> 6. No mortgage late over 36 months<br> 7. No late payment history for all types of credit on the credit report.<br> 8. Asset reserves more than the guide requirement | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852948 | xxxxxx D B A | Closed | xxxxxx | 2025-11-12 15:39 | 2025-11-17 17:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Legible copy of the Commitment. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Open-Title Document is Incomplete Title is illegible. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 | Resolved-Received Legible copy of the Commitment. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852948 | xxxxxx D B A | Closed | xxxxxx | 2025-11-12 11:19 | 2025-11-12 11:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852976 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853148 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 15:11 | 2025-11-18 15:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Verified employment history exceeds guidelines - 5 years self employed same business |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853162 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-14 15:22 | 2025-11-20 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report - OFAC Check Completed and Cleared - Due Diligence Vendor-11/20/2025 <br>Open-OFAC Check Not Completed and/or Cleared Missing OFAC Check - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Fraud Report - OFAC Check Completed and Cleared - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853162 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-14 15:22 | 2025-11-20 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-11/20/2025 <br>Open-Missing Third Party Fraud Report Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853162 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-13 20:48 | 2025-11-20 08:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/20/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations - 3 years; Expiration date is xxxxxx. - Due Diligence Vendor-11/14/2025 |  | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/20/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853162 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-13 20:03 | 2025-11-13 20:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/14/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/14/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853225 | xxxxxx B A | Closed | xxxxxx | 2025-11-26 14:16 | 2025-11-26 14:16 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.59<br>LTV is less than guideline maximum - Required is 85 Borrower has 73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853347 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 09:35 | 2025-11-26 10:45 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-11/26/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. Guidelines state CU or LCA score 2.5 or less is required. When score is greater than 2.5, xxxxxx CDA report is required. The CU score is 5 and the loan file is missing the CDA. - Due Diligence Vendor-11/24/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/26/2025<br>| LTV is less than guideline maximum - Maximum LTV is 80%. Subject LTV is 70%. Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 680. Required is 680 Borrower has 729<br>Qualifying DTI below maximum allowed - DTI is 41.98% and max allowed is 50%. Required is 50 Borrower has 41.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853820 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853824 | xxxxxx C B A | Closed | xxxxxx | 2025-11-07 21:34 | 2025-11-18 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD. Audited Reserves of 4.62 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please review the attached PCCD. Borrower has enough assets to cover the closing cost reserve. - Seller-11/14/2025 <br>Open-Audited Reserves of 3.68 month(s) are less than Guideline Required Reserves of 4 month(s) Documented assets in file as insufficient to cover reserves. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. Please review the attached PCCD. Borrower has enough assets to cover the closing cost reserve. - Seller-11/14/2025 | Resolved-Received PCCD. Audited Reserves of 4.62 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-11/18/2025<br>| On time mortgage history exceeds guideline requirement - Housing History reporting since 2021 is greater than the 12 months required<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713 Required is 660 Borrower has 713 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853824 | xxxxxx C B A | Closed | xxxxxx | 2025-11-06 13:05 | 2025-11-06 13:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025<br>| On time mortgage history exceeds guideline requirement - Housing History reporting since 2021 is greater than the 12 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713 Required is 660 Borrower has 713 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 853825 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853832 | xxxxxx D A | Closed | xxxxxx | 2025-11-15 08:00 | 2025-11-20 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Received HOI for the primary and confirmation of no HOA for REO's. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. The calculation was for xxxxxx. There is no HOA. <br> MTG: $3,879.17<br> Insurance: $213.13<br> Tax: xxxxxx<br> Net Rent: ($2,235.40) = $3,800.00 \* 0.75 - $3,879.17 - $1,206.23<br> For REO xxxxxx<br> Mtg Payment $11,200.00<br> Insurance $296.00<br> Tax xxxxxx<br>REO xxxxxx, PITI docs, please see attached - Seller-11/19/2025 <br> Ready for Review-Please see below calculation: <br> MTG: $3,879.17<br> Insurance: $213.13<br> Tax: xxxxxx<br> Net Rent: ($2,235.40) = $3,800.00 \* 0.75 - $3,879.17 - $1,206.23 - Seller-11/18/2025 <br> Open-Missing verification of insurance, and/or HOA fees for non-subject property REO xxxxxx.<br> Missing verification of HOA fees for non-subject property REO xxxxxx. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. The calculation was for xxxxxx. There is no HOA. <br> MTG: $3,879.17<br> Insurance: $213.13<br> Tax: xxxxxx<br> Net Rent: ($2,235.40) = $3,800.00 \* 0.75 - $3,879.17 - $1,206.23<br> For REO xxxxxx<br> Mtg Payment $11,200.00<br> Insurance $296.00<br> Tax xxxxxx<br>REO xxxxxx, PITI docs, please see attached - Seller-11/19/2025 <br> Ready for Review-Please see below calculation: <br> MTG: $3,879.17<br> Insurance: $213.13<br> Tax: xxxxxx<br> Net Rent: ($2,235.40) = $3,800.00 \* 0.75 - $3,879.17 - $1,206.23 - Seller-11/18/2025 | Resolved-Document Uploaded. Received HOI for the primary and confirmation of no HOA for REO's. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853882 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854006 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**CLARIFII RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 824511 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 838131 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838457 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839580 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839893 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840448 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 840756 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841246 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841824 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842465 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843479 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 843653 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843662 | xxxxxx | xxxxxx D | D | D A | A D | D B | B | B A | A B | B |
| 843759 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843783 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843880 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843889 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843953 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844122 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844135 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844170 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 844211 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844241 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844389 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844414 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 844577 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
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| 844680 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 844712 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
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| 844823 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844937 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 844986 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 845183 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845188 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845190 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845284 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
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| 845377 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845397 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845434 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845456 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845500 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845504 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845520 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845535 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 845554 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 845577 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845719 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845726 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845769 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845814 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845855 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845972 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 845974 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 845989 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845997 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845998 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846001 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846004 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846005 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846012 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846014 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846090 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846109 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846166 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 846167 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 846281 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846315 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846406 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846421 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846451 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 846488 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 846489 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 846504 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846525 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846530 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 846552 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 846572 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846658 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846687 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846689 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 846721 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846725 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846734 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846800 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846808 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846811 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846851 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846872 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 846877 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846881 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846894 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846895 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846896 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846900 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 847029 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847040 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847051 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847064 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847075 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847105 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
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| 847164 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 847178 | xxxxxx | xxxxxx B | B C | C | C | C A | A | A | A | A |
| 847213 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 847273 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847285 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
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| 847321 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847323 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847406 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 847518 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847579 | xxxxxx | xxxxxx C | C | C | C | C A | A B | B A | A B | B |
| 847595 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
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| 847621 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847632 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847638 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
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| 847739 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847785 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847807 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847813 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847816 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 847837 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 847842 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 847912 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847937 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847949 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847954 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848026 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848049 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 848061 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848067 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848101 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848102 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848108 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
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| 848123 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848134 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848145 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848158 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848185 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 848212 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848215 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848228 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 848258 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848405 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848447 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848450 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848465 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848474 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848477 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848479 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848480 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848509 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 848514 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848517 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 848530 | xxxxxx | xxxxxx A | A C | C | C | C A | A B | B A | A B | B |
| 848607 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848608 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848631 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848663 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848664 | xxxxxx | xxxxxx A | A C | C | C | C A | A B | B A | A B | B |
| 848672 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848689 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848725 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848726 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 848743 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848763 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848821 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848828 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848864 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 848865 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 848897 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848900 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848930 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 848960 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 848990 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849009 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849020 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 849029 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849047 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 849048 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 849074 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 849090 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849096 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849109 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 849121 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849124 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 849139 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 849140 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849180 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 849204 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849206 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 849241 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 849256 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849268 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849277 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849279 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849295 | xxxxxx | xxxxxx C | C B | B C | C | C A | A B | B A | A B | B |
| 849297 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 849304 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 849311 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849328 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849347 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849420 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 849422 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849433 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849458 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 849499 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849525 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849543 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 849545 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849609 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 849624 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849634 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849652 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 849654 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849666 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849675 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849686 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A B | B A | A B | B |
| 849689 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 849702 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849708 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849723 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 849792 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849794 | xxxxxx | xxxxxx D | N/A D | N/A C | N/A C D | N/A D | N/A | N/A | N/A | N/A |
| 849806 | xxxxxx | xxxxxx B | B C | C | C | C A | A | A | A | A |
| 849810 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849936 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849956 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 849981 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849990 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849995 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850015 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850016 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850022 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 850051 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 850055 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 850060 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 850065 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 850067 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850072 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 850073 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850076 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850078 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850081 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 850086 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850105 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850106 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850117 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 850119 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850120 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 850131 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850133 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850137 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850154 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850155 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 850157 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850158 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 850159 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 850165 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 850167 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850171 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850184 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 850211 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850224 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850229 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850230 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850265 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850268 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 850331 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850425 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850448 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850449 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850468 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850472 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850474 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850491 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850494 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850495 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 850524 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850541 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850544 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850558 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850568 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 850573 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850593 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 850613 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 850615 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850617 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850619 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 850620 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850621 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850626 | xxxxxx | xxxxxx A | N/A | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850629 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850630 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 850631 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850640 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 850650 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850679 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850689 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 850698 | xxxxxx | xxxxxx A | N/A B | N/A B C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 850704 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850715 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 850730 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850739 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850759 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850760 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850767 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850776 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850777 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850781 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850793 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850800 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850815 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850818 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850827 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 850837 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850844 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850853 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850854 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 850857 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 850861 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850866 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850867 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 850909 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850912 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850916 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850936 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 850943 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 850951 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850952 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850975 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850979 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850998 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851006 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 851021 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851078 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 851102 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851103 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851104 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 851105 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851106 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851115 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 851315 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851316 | xxxxxx | xxxxxx C | C A | A B | B C | C B | B A | A | A B | B |
| 851317 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 851328 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 851359 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851372 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851373 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 851376 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 851379 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851386 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851426 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851453 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 851470 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 851484 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 851487 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851494 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851524 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 851624 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851635 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 851713 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 851719 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851722 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851749 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851801 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851806 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851822 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851823 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851856 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 851878 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851886 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 851887 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851896 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851913 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851916 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 851936 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851937 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851942 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 851982 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851991 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852059 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852063 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 852121 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 852141 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 852229 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852246 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 852252 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852292 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852307 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852332 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 852364 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 852370 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 852381 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 852383 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852385 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 852430 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852488 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852524 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 852564 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852697 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852699 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852738 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852775 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852804 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 852815 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852816 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852825 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852917 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 852919 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852947 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852948 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 852976 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853148 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853162 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 853225 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853347 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 853820 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853824 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 853825 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853832 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853882 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854006 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**CLARIFII DATA COMPARE REPORT**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 824511 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 790 | 772 | Per lender guides, with multiple borrower, use highest score for both. |
| 838131 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838457 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 838457 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 32.05 | 0.00 | Loan amount/Sales price |
| 839893 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 839893 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 839893 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 840448 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per DOT rider and 1008 |
| 840756 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Narrative |
| 840756 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 5 | 1 | Per Narrative |
| 841824 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.7500 | Per Note |
| 841824 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 841824 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 46.61 | 40.17 | loan amount/appraisal value |
| 843479 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 843653 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 68.03 | 68.97 | loan amount/appraisal value |
| 843653 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.03 | 68.97 | loan amount/appraisal value |
| 843662 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.87 | 9.40 | Lender used rental income of property which lease was not provided. |
| 843953 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62.84 | 63.89 | Audit LTV matches lenders per 1008 |
| 844389 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD |
| 844447 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 801 | 802 | lowest mid score |
| 844447 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 844577 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.7 | 30.00 | Audit DTI consistent with 1008, tape source unknown |
| 844577 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per PCCD |
| 844680 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 844680 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per appraisal narrative |
| 844680 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 1 | Per Appraisal Narrative |
| 844712 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 844937 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 844937 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per appraisal and condo questionnaire - not a Condotel |
| 845284 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 845377 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 845377 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 2 | Per Appraisal |
| 845377 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per Appraisal |
| 845456 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per pp addendum in file. |
| 845535 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 845555 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 789 | 783 | Highest middle score per guides. |
| 845972 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 845972 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 845974 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 739 | 729 | Per credit report |
| 845974 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.75 | 21.60 | REO 3b was Refinanced - Audit used new patment |
| 845974 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 845974 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 80 | 79.91 | Matches Lender LTV on Final 1008 |
| 845974 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 80 | 79.91 | Matches Lender LTV on Final 1008 |
| 845989 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | per appraisal |
| 845997 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 845998 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 846001 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 846004 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 846012 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 846014 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 846014 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846014 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65.62 | 70.00 | Matches 1008 |
| 846014 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65.62 | 70.00 | Per 1008 |
| 846166 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 712 | 718 | Mid credit score. Matches 1008 |
| 846166 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846281 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 846281 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 846281 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 21560.00 | Per Final 1003 |
| 846281 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 846315 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846451 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846451 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846451 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846488 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.76 | 43.14 | Audit DTI consistent with 1008, tape source unknown |
| 846488 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per property condition inspection |
| 846489 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 846530 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | FCM Sharp Non-QM | VMC_Expanded_Agency_07.24.2023 | Confirmed with lender. |
| 846530 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per appraissal |
| 846530 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 846552 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 654 | 653 | Per credit Report |
| 846658 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846689 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 757 | 748 | Per credit report |
| 846689 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 846689 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 846689 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.67 | 65.00 | Per approval |
| 846689 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.67 | 65.00 | Per approval |
| 846872 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846877 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 846877 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846877 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.6250 | Per Note |
| 846877 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.52 | 75.00 | LTV match loan approval |
| 846877 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.52 | 75.00 | LTV match loan approval |
| 846877 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD |
| 846881 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846881 | xxxxxx | xxxxxx | Interest Rate | notePage | 8 | 7.6250 | Per Note |
| 846881 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 846881 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final HUD and Loan Approval |
| 846894 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | xxxxxx | xxxxxx | Per citizenship documents |
| 846894 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846894 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| 846895 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846895 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal. |
| 846900 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 847051 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 847064 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847064 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 847064 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 0.0650 | Per Note |
| 847075 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847075 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 58.91 | 58.35 | per 1008 |
| 847075 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 58.91 | 58.35 | per 1008 |
| 847105 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847164 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847164 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 7.5000 | Per Note |
| 847164 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 63.74 | 60.00 | Audit LTV matches lenders per 1008 |
| 847213 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847213 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Purchase contract and Final CD. |
| 847273 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal. |
| 847313 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 60.82 | 61.30 | Matches the 1008 |
| 847313 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | per appraisal report |
| 847579 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per appraisal report |
| 847606 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847606 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 52.43 | 51.25 | Lender used incorrect loan amount |
| 847606 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 52.43 | 51.25 | Lender used incorrect loan amount |
| 847608 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847608 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.875 | 7.6250 | Per Note |
| 847621 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 775 | 762 | Audit used middle score as required per guides.  |
| 847638 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847646 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1.00 | DSCR confirmed |
| 847678 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.42 | 64.60 | 1st + 2nd Mortgages/Appraised Value |
| 847739 | xxxxxx | xxxxxx | Sales Price | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Source unknown |
| 847739 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847739 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 66.78 | 66.98 | Loan Amount/Appraised Value. |
| 847739 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 66.78 | 66.98 | Loan Amount/Appraised Value. |
| 847807 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 5.79 | 39.00 | Audit verified assets |
| 847813 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847813 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per HUD |
| 847816 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847816 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 847882 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 7.2500 | Per Note |
| 847882 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 63.64 | Matches 1008 |
| 847882 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 63.64 | Matches 1008 |
| 848061 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 19.95 | 97.00 | Removed Expired Asset that was not needed |
| 848067 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 848067 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 54.55 | 42.86 | Tape source unknown |
| 848067 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 54.55 | 42.86 | Tape source unknown |
| 848158 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 848185 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.87 | 45.00 | Audit DTI consistent with 1008, tape source unknown |
| 848212 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 76.88 | 79.72 | Tape source unknown |
| 848212 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 76.88 | 79.72 | Tape source unknown |
| 848212 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | confirmed on 1003 |
| 848228 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and DOT |
| 848228 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD/sales contract |
| 848405 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per title, appraisal and rider in file |
| 848405 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Borrower is a Foreign National. (ITIN not eligible) |
| 848465 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.22 | 37.93 | Audit DTI consistent with 1008, tape source unknown |
| 848465 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 848663 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 783 | 780 | Lowest Mid-Score used |
| 848664 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 719 | 765 | Per credit report. |
| 848672 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.94 | 34.45 | Audit DTI consistent with 1008, tape source unknown |
| 848689 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 64.74 | 0.00 | LTV is confirmed |
| 848726 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.41 | 25.78 | Discrepancy due to three large unsourced deposits in business bank statements |
| 848726 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 848821 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per note there is a PPP 6 months interest. |
| 848821 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | SFR | Per Appraisal |
| 848828 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 848864 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per Appraisal |
| 848864 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Appraisal |
| 848865 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per Appraisal |
| 848897 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 848900 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849009 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 849009 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 849020 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849029 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 849047 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849121 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.02 | 34.49 | Audit matches final 1008 |
| 849180 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 90 | 0.00 | Per Appraisal |
| 849204 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Confirmed per documents in the file. |
| 849204 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | -2019.94 | subject is a DSCR loan, no income used to qualify. |
| 849206 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 849256 | xxxxxx | xxxxxx | Total Qualifying Income | employmentIncomePage | 18480.48 | 18541.25 | per bank statements |
| 849256 | xxxxxx | xxxxxx | Borrower 1 Qualifying Income | employmentIncomePage | 18480.48 | 18541.25 | per bank statements |
| 849277 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.09 | 33.28 | Audit DTI consistent with 1008, tape source unknown |
| 849277 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849279 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 6.8750 | Per Note |
| 849279 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849295 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 849297 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | Plaza Solutions Non QM | Plaza_DSCR_6.3.2025 | Per lock, 12 mos bk stmnt program, not DSCR loan |
| 849297 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 849297 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 849304 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 849304 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849304 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 78.13 | 77.32 | Audit value consistent with 1008, tape source unknown |
| 849304 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 78.13 | 77.32 | Audit value consistent with 1008, tape source unknown |
| 849311 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 76.85 | 77.47 | Audit value consistent with 1008, tape source unknown |
| 849420 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.21 | 20.00 | Lender did not use correct qualifying rate for I/O ARM |
| 849420 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per Note |
| 849422 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 849433 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.84 | 6.54 | Audit DTI consistent with 1008, tape source unknown |
| 849433 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.69 | 69.10 | Audit value consistent with 1008, tape source unknown |
| 849433 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849499 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.95 | 39.87 | Audit DTI consistent with 1008, tape source unknown |
| 849499 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 849499 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849543 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | Cardinal_Alt Doc Bank Statement | Verus Prime Ascent s | Per Note |
| 849543 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849624 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.07 | 15.91 | Audit DTI consistent with 1008, tape source unknown |
| 849624 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849624 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 849654 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849675 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849686 | xxxxxx | xxxxxx | Note Type | notePage | Fixed | ARM | Per Note |
| 849689 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.47 | 19.60 | Audit DTI consistent with 1008, tape source unknown |
| 849689 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849708 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.11 | 34.10 | Audit DTI consistent with 1008, tape source unknown |
| 849723 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 764 | 771 | Lowest Mid-Score used |
| 849723 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849792 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.28 | 50.00 | Audit DTI consistent with 1008, tape source unknown |
| 849792 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 849794 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 21.43 | 23.08 | Audit consistent with 1008, tape unknown |
| 849794 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 41.2 | 44.37 | Audit consistent with 1008, tape unknown |
| 849806 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849936 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849981 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850015 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850016 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 850022 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.33 | 7.39 | Audit DTI consistent with 1008, tape source unknown |
| 850055 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 782 | 780 | per credit report |
| 850055 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850055 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 68.73 | 0.00 | Per Appraisal |
| 850072 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.89 | 45.95 | Audit DTI consistent with 1008, tape source unknown |
| 850073 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.73 | 37.79 | Audit DTI consistent with 1008, tape source unknown |
| 850105 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 850106 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.01 | 28.00 | Audit DTI consistent with 1008, tape source unknown |
| 850119 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850119 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850131 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850131 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850133 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Purchase Contract. |
| 850137 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850137 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850154 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850154 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850155 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850155 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850157 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.01 | 40.99 | Audit DTI consistent with 1008, tape source unknown |
| 850157 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 850158 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850158 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850159 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.07 | 48.91 | Lender disclosed less rental income on 1008 |
| 850159 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850165 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850165 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Purchase Contract/Addendum |
| 850171 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850224 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 781 | 780 | Per Credit Report. |
| 850229 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.69 | 30.97 | Audit DTI consistent with 1008, tape source unknown |
| 850425 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 720 | 728 | Per credit report |
| 850425 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.9 | 45.15 | Lender did not include HOA - used lower taxes than verified |
| 850425 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850425 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850449 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850449 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850468 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.58 | 21.98 | Lender calculated higher income, lender worksheet not provided |
| 850474 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 850491 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 15860.00 | Per 1003 |
| 850494 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.33 | 45.08 | Audit calculated a lower income |
| 850494 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850495 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.56 | 38.37 | Audit included auto payment that showed paid on refresh. |
| 850541 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.49 | 20.97 | Audit DTI consistent with 1008, tape source unknown |
| 850544 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850544 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850544 | xxxxxx | xxxxxx | Prepayment Penalty Flag | notePage | Y | false | Per Note |
| 850544 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 850544 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 15640.00 | Per 1003 |
| 850558 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.41 | 32.00 | Audit DTI consistent with 1008, tape source unknown |
| 850573 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.93 | 46.28 | Variance due to primary 2nd lien and subject neg-rent |
| 850573 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 850613 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850613 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850615 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.26 | 47.64 | Audit calculated higher income than Lender |
| 850615 | xxxxxx | xxxxxx | Total Qualifying Income | employmentIncomePage | 12578.14 | 11157.13 | Audit calculated higher income than Lender |
| 850615 | xxxxxx | xxxxxx | Borrower 1 Qualifying Income | employmentIncomePage | 12578.14 | 11157.13 | Audit calculated higher income than Lender |
| 850619 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850619 | xxxxxx | xxxxxx | ULI | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 850620 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850620 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850621 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.59 | 44.87 | Audit finds Lender used less income than available |
| 850621 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850626 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 850626 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850626 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.72 | 22.32 | Audit calc. lower income |
| 850626 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850629 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850629 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | Per Appraisal |
| 850630 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.67 | 22.64 | Variance due to Audit using lower primary |
| 850630 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850630 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| 850631 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850631 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Per Appraisal |
| 850640 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850640 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.22 | 46.62 | Due to lower income used. Per originator request to remove 1 income source. |
| 850640 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850650 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.14 | 49.24 | Lenders 1003 show duplicated debts |
| 850650 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850679 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.83 | 49.93 | Audit DTI consistent with 1008, tape source unknown |
| 850679 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850689 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.44 | 42.88 | Audit DTI consistent with 1008, tape source unknown |
| 850704 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.82 | 37.00 | Audit DTI consistent with 1008, tape source unknown |
| 850704 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD |
| 850730 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.43 | 48.46 | Audit DTI consistent with 1008, tape source unknown |
| 850739 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal/Title |
| 850759 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.24 | 39.78 | Audit DTI consistent with 1008, tape source unknown |
| 850760 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 787 | 789 | Per Credit Report |
| 850760 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.01 | 49.00 | Audit DTI consistent with 1008, tape source unknown |
| 850760 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 850760 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 90 | 85.00 | Audit LTV matches Lender LTV on 1008, tape unknown |
| 850760 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 850760 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 90 | 85.00 | Audit CLTV matches Lender CLTV on 1008, tape unknown |
| 850776 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0.58 | 14.16 | Audit DTI consistent with 1008, tape source unknown |
| 850776 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850777 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850777 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 850777 | xxxxxx | xxxxxx | Prepayment Penalty Flag | notePage | Y | false | Per Note |
| 850777 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 7.17 | 86 | Audit captured years, per application. |
| 850781 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.76 | 38.08 | Audit DTI consistent with 1008, tape source unknown |
| 850800 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.34 | 29.28 | Audit DTI consistent with 1008, tape source unknown |
| 850815 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850837 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.54 | 46.00 | 1008 reflects higher all other monthly debts. |
| 850837 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850844 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 850854 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.65 | 36.66 | Audit DTI consistent with 1008, tape source unknown |
| 850861 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | Guaranteed Rate Edge Non QM_Full and Alt Doc | OriginPoint_LLC_EDGE_Non_QM_8.26.2025 | Per notes: guides to use |
| 850861 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850866 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.64 | 24.32 | Audit value based on B2/B3 income , all REO and all credit report debt. |
| 850867 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 850909 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 683 | 680 | Per Credit Report. |
| 850909 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.22 | 29.75 | Audit matches Lender 1008 |
| 850909 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 850912 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.07 | 29.88 | Lender used positive rent for the subject property, documents support negative rental income. |
| 850943 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.1 | 43.75 | Lender did not include auto lease. No proof paid and closed. |
| 850943 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | N | Per 1003 |
| 850951 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.32 | 31.22 | Audit DTI consistent with 1008, tape source unknown |
| 850952 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.32 | 46.00 | Audit DTI consistent with 1008, tape source unknown |
| 850952 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 850952 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD |
| 851006 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851006 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851102 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.11 | 26.66 | Audit DTI consistent with 1008, tape source unknown |
| 851102 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 851103 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 851103 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851103 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851103 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851104 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal/Title |
| 851105 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 851115 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 851317 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.61 | 39.00 | Audit DTI consistent with 1008, tape source unknown |
| 851317 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851328 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 851328 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851359 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851372 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 851373 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851376 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851379 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.49 | 47.62 | Audit DTI consistent with 1008, tape source unknown |
| 851386 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851470 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 653 | 650 | Primary wage earner |
| 851470 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851487 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 851487 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008 and Purchase contract |
| 851487 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 80 | 0.00 | CLTV confirmed |
| 851494 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.13 | 50.00 | Audit DTI consistent with 1008, tape source unknown |
| 851624 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.14 | 44.00 | Audit DTI consistent with 1008, tape source unknown |
| 851719 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 851719 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 851749 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 851822 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 851822 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851823 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.38 | 47.88 | Audit DTI consistent with 1008, tape source unknown |
| 851856 | xxxxxx | xxxxxx | Lien Position | TitlePage | 2 | 1 | Per 1003 |
| 851886 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851887 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851913 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.59 | 3.03 | Audit DTI consistent with 1008, tape source unknown |
| 851913 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851916 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.79 | 30.16 | Lender did not count new auto loan showing on gap report. |
| 851942 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.75 | 50.00 | Audit DTI consistent with 1008, tape source unknown |
| 851942 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 851991 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.86 | 1.00 | Audit DTI consistent with 1008, tape source unknown |
| 852121 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.01 | 43.19 | Audit DTI consistent with 1008, tape source unknown |
| 852141 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 852229 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.53 | 25.03 | Audit DTI consistent with 1008, tape source unknown |
| 852229 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 852252 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 852252 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 852332 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.87 | 2.80 | Audit DTI consistent with 1008, tape source unknown |
| 852381 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 852385 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.46 | 45.98 | Audit DTI consistent with 1008, tape source unknown |
| 852385 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 852699 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.76 | 45.51 | Audit DTI consistent with 1008, tape source unknown |
| 852775 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 852815 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 852917 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.38 | 42.88 | Audit DTI consistent with 1008, tape source unknown |
| 852947 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.73 | 16.86 | Audit DTI consistent with 1008, tape source unknown |
| 852947 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 852948 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853148 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853148 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853148 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 853347 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.98 | 49.15 | Audit DTI consistent with 1008, tape source unknown |
| 853820 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853824 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853824 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 853824 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 853825 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853832 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 853832 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 854006 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 854006 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**CLARIFII ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 824511 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838131 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 64572.82 | Yes | Employed |  | No |  | Yes | Present |
| 838457 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839580 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839893 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840448 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18324 | 7.045 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 52160.05 | Yes | Employed |  | No |  | No |  |
| 840756 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841246 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841824 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842465 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 843479 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 843653 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 843662 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7780.28 | 7.824 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44270.52 | Yes | Employed |  | No |  | No |  |
| 843759 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 843783 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 843880 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 843889 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 843953 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844122 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844135 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844170 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844211 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2285 | 7.408 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 178123 | Yes | Employed |  | No |  | No |  |
| 844241 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844389 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 844414 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844447 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 844577 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2523.5 | 7.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6327.83 | Yes | Employed | Not Employed | No | No | No |  |
| 844654 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 844680 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844712 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2819 | 8.629 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40553.64 | Yes | Employed |  | No |  | No |  |
| 844813 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 844823 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844937 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 844986 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845183 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845188 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845190 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845284 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845300 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 845377 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845397 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 845434 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845456 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845500 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845504 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 845520 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845535 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845554 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845555 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845577 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845719 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845726 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845769 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 845814 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845855 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845972 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 845974 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5480.84 | 7.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29658.3 | Yes | Employed |  | No |  | No |  |
| 845989 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 845997 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845998 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846001 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846004 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846005 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846012 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846014 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846090 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846109 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846166 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846167 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12775 | 7.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12933.95 | Yes | Employed | Employed | No | No | No |  |
| 846281 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3930 | 6.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12405.22 | N/A | Employed |  | No |  | No |  |
| 846315 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 846406 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846421 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846451 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 846488 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2313 | 9.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2722.39 | N/A | Employed |  | No |  | No |  |
| 846489 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846504 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846525 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846530 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14878.52 | 9.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6164.64 | Yes | Employed |  | No |  | No |  |
| 846552 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846572 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846658 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846687 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846689 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 846721 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846725 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846734 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846800 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 846808 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846811 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846851 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846872 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846877 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846881 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846894 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 846895 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 846896 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846900 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847029 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847040 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 847051 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847064 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847075 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847105 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10141.25 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13726.05 | Yes | Employed |  | No |  | No |  |
| 847143 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847164 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847178 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24986.37 | Yes | Not Employed | Employed | No | No | No |  |
| 847213 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847273 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847285 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 847288 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2012.9 | 8.097 | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 6287.02 | Yes | Retired | Retired | No | No | No |  |
| 847299 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847313 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3300 | 9.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6024.95 | Yes | Employed |  | No |  | No |  |
| 847318 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847321 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847323 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847406 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847497 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847518 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847579 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4347 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10253.86 | Yes | Not Employed |  | No |  | No |  |
| 847595 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847606 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 847608 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847621 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847632 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847638 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847646 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847678 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3820 | 8.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8881.85 | N/A | Employed |  | No |  | No |  |
| 847739 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847785 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847807 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847813 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 847816 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847837 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1740 | 7.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48761.32 | Yes | Employed |  | No |  | No |  |
| 847842 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847882 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847912 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20487.13 | Yes | Employed | Employed | No | No | Yes | Present |
| 847937 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847949 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847954 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 19203.8 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 224757.13 | Yes | Employed |  | No |  | No |  |
| 848026 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5599.96 | 7.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6737.45 | Yes | Employed |  | No |  | No |  |
| 848049 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2195 | 7.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11220.97 | Yes | Employed | Employed | No | No | No |  |
| 848061 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848067 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848101 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848102 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 848108 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9616.61 | 7.623 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26422.12 | Yes | Employed | Not Employed | No | No | No |  |
| 848113 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848123 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848134 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848145 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848158 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848185 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3827 | 6.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13666.1 | N/A | Employed | Not Employed | No | No | No |  |
| 848212 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.028 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 7601.41 | N/A | Employed |  | No |  | No |  |
| 848215 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6807.5 | 8.419 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 22128.62 | N/A | Employed |  | No |  | No |  |
| 848228 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848258 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848405 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848447 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848450 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848465 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7545 | 9.373 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8149.29 | Yes | Employed |  | No |  | No |  |
| 848474 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848477 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10689.37 | 7.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12047.29 | Yes | Employed |  | No |  | No |  |
| 848479 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848480 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848509 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34199.34 | N/A | Employed | Employed | No | No | No |  |
| 848514 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848517 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848530 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2244.07 | 7.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21111.31 | N/A | Employed |  | No |  | No |  |
| 848607 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848608 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848631 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848663 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21731.7 | Yes | Employed | Employed | No | No | No |  |
| 848664 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24054.35 | 7.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15895.01 | Yes | Employed |  | No |  | No |  |
| 848672 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4672.81 | 7.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5504.63 | Yes | Employed |  | No |  | No |  |
| 848689 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848725 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848726 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10264.55 | 9.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14434.81 | Yes | Employed |  | No |  | No |  |
| 848743 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 848763 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 15635.47 | N/A | Employed |  | No |  | No |  |
| 848821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848828 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848864 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848865 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848897 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848900 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848930 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848960 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2681 | 7.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22227.9 | N/A | Employed | Employed | No | No | No |  |
| 848990 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849009 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3436.25 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2743.65 | Yes | Employed |  | No |  | No |  |
| 849020 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 8914.24 | 8.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13236.81 | Yes | Employed |  | No |  | No |  |
| 849029 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7108.53 | 8.97 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3624.38 | N/A | Employed |  | No |  | No |  |
| 849047 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6529.72 | 7.735 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15965.97 | Yes | Employed |  | No |  | No |  |
| 849048 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849074 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.395 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 15620.43 | N/A | Employed |  | No |  | No |  |
| 849090 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849096 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 849109 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2856 | 11.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6663.56 | N/A | Employed |  | No |  | No |  |
| 849121 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5632.5 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8164.06 | Yes | Employed | Employed | No | No | No |  |
| 849124 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849139 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3513.74 | 9.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4522.29 | N/A | Employed |  | No |  | No |  |
| 849140 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3881.81 | 8.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7078.7 | Yes | Employed |  | No |  | No |  |
| 849180 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2708.23 | 9.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16785.78 | Yes | Employed |  | No |  | No |  |
| 849204 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849206 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 8.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A | 22291.1 | N/A | Employed |  | No |  | No |  |
| 849241 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5353.08 | 8.362 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 4639.49 | N/A | Employed |  | No |  | No |  |
| 849256 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7999 | 8.332 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10166.56 | N/A | Employed |  | No |  | No |  |
| 849268 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4455.04 | 7.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9718.35 | N/A | Employed | Employed | No | No | No |  |
| 849277 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20710.94 | 7.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33007.9 | Yes | Employed |  | No |  | No |  |
| 849279 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849295 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16148.9 | 6.857 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 31916.17 | N/A | Employed | Not Employed | No | No | No |  |
| 849297 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7070.8 | 7.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41625.86 | Yes | Employed |  | No |  | No |  |
| 849304 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3390 | 6.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24777.14 | N/A | Employed | Not Employed | No | No | No |  |
| 849311 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.285 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6987.51 | Yes | Employed | Employed | No | No | No |  |
| 849328 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849347 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849420 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 0 | 7.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51978.82 | Yes | Employed |  | No |  | No |  |
| 849422 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849433 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11345 | 7.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 103141.85 | Yes | Employed |  | No |  | No |  |
| 849458 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 59049.71 | N/A | Employed |  | No |  | No |  |
| 849499 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 22021.29 | 8.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51930.66 | N/A | Employed | Not Employed | No | No | No |  |
| 849525 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849543 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8581.5 | 7.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23908.9 | Yes | Employed |  | No |  | No |  |
| 849545 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6891.9 | Yes | Employed | Employed | No | No | No |  |
| 849609 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2776 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14536.13 | Yes | Employed |  | No |  | No |  |
| 849624 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16229 | 7.081 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 40024.3 | Yes | Employed |  | No |  | No |  |
| 849634 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849652 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5520 | 9.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8124.03 | Yes | Retired |  | No |  | No |  |
| 849654 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2655 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32356.06 | N/A | Employed |  | No |  | No |  |
| 849666 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849675 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 797907.03 | Yes | Employed |  | No |  | No |  |
| 849686 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16005 | 8.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12427.45 | Yes | Employed |  | No |  | No |  |
| 849689 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5923.71 | N/A | Not Employed |  | No |  | No |  |
| 849702 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 88889.87 | N/A | Employed |  | No |  | Yes | Present |
| 849708 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9710 | 6.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12994.27 | N/A | Not Employed | Not Employed | No | No | No |  |
| 849723 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5060 | 7.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16627.91 | Yes | Employed | Not Employed | No | No | No |  |
| 849792 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3565 | 6.801 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20582.26 | N/A | Employed |  | No |  | No |  |
| 849794 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4165 | 7.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A | 8867.01 | N/A | Employed |  | No |  | No |  |
| 849806 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7655 | 7.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12564.94 | Yes | Employed |  | No |  | No |  |
| 849810 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10592 | 6.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9073.18 | Yes | Employed |  | No |  | No |  |
| 849936 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3730.94 | 7.474 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 20193.65 | Yes | Not Employed | Not Employed | No | No | No |  |
| 849956 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18769 | 7.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35248.5 | N/A | Employed | Employed | No | No | No |  |
| 849981 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 8.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26546.71 | N/A | Employed |  | No |  | No |  |
| 849990 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30330.7 | N/A | Employed |  | No |  | Yes | Present |
| 849995 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850015 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5107.42 | 7.329 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23514.24 | N/A | Employed |  | No |  | No |  |
| 850016 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9195 | 6.995 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | N/A | 8831.47 | N/A | Employed |  | No |  | No |  |
| 850022 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8849 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38938.75 | N/A | Employed |  | No |  | No |  |
| 850051 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850055 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850060 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2759.4 | 8.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8259.36 | Yes | Employed | Employed | No | No | No |  |
| 850065 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7647.34 | Yes | Employed |  | No |  | No |  |
| 850067 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6735.48 | N/A | Employed |  | No |  | Yes | Present |
| 850072 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7520 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13396.33 | N/A | Employed |  | No |  | No |  |
| 850073 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21370 | 7.202 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12673.74 | N/A | Employed | Not Employed | No | No | No |  |
| 850076 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850078 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10973.59 | N/A | Employed | Employed | No | No | Yes | Present |
| 850081 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14307.5 | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22779.98 | Yes | Employed |  | No |  | No |  |
| 850086 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850105 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850106 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6859 | 9.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15387.83 | Yes | Employed |  | No |  | No |  |
| 850117 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26420 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19802.55 | N/A | Employed |  | No |  | No |  |
| 850119 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 58913.86 | N/A | Employed |  | No |  | Yes | Present |
| 850120 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 7138 | 7.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 2167.18 | N/A | Retired |  | No |  | No |  |
| 850131 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36536.25 | Yes | Employed |  | No |  | Yes | Present |
| 850133 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9005 | 7.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18008.19 | N/A | Employed |  | No |  | No |  |
| 850137 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 12932.53 | N/A | Employed |  | No |  | Yes | Present |
| 850154 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23668.42 | 8.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 60725.3 | N/A | Employed |  | No |  | No |  |
| 850155 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23695 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14916.76 | N/A | Employed |  | No |  | No |  |
| 850157 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14555.84 | Yes | Employed |  | No |  | Yes | Present |
| 850158 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 11775 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5370.11 | N/A | Employed |  | No |  | No |  |
| 850159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 23152.5 | 7.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6215.08 | Yes | Employed |  | No |  | No |  |
| 850165 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6772 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9786.88 | Yes | Employed |  | No |  | No |  |
| 850167 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16100.25 | 6.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9321.31 | Yes | Employed |  | No |  | No |  |
| 850171 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850184 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20196.96 | 8.419 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 15141.55 | Yes | Employed |  | No |  | No |  |
| 850211 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10717.23 | Yes | Employed |  | No |  | Yes | Present |
| 850224 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 80009.72 | N/A | Employed |  | No |  | No |  |
| 850229 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6767.21 | N/A | Employed |  | No |  | Yes | Present |
| 850230 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850265 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 31630.83 | N/A | Employed |  | No |  | Yes | Present |
| 850268 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18775 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7900.97 | N/A | Employed |  | No |  | No |  |
| 850331 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6393.9 | 9.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16328.95 | N/A | Employed |  | No |  | No |  |
| 850425 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1775 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15527.1 | Yes | Employed |  | No |  | No |  |
| 850448 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12583.75 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8681.11 | N/A | Employed |  | No |  | No |  |
| 850449 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23120 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15040.4 | N/A | Employed |  | No |  | No |  |
| 850468 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1128 | 7.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4173.16 | Yes | Employed |  | No |  | No |  |
| 850472 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2761.5 | 9.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8058.35 | Yes | Employed |  | No |  | No |  |
| 850474 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2719.8 | 8.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2647.18 | N/A | Employed | Retired | No | No | No |  |
| 850491 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11212.5 | 6.801 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10961.46 | N/A | Employed |  | No |  | No |  |
| 850494 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6230 | 7.161 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 3772.56 | N/A | Employed | Employed | No | No | No |  |
| 850495 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2896.9 | 7.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10104.5 | Yes | Employed |  | No |  | No |  |
| 850524 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13170 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20038.03 | N/A | Employed |  | No |  | No |  |
| 850541 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4290 | 7.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6177.11 | N/A | Employed |  | No |  | No |  |
| 850544 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 8989.26 | N/A | Employed |  | No |  | Yes | Present |
| 850558 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 16498.73 | N/A | Employed |  | No |  | Yes | Present |
| 850568 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8995 | 6.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7415.56 | N/A | Employed | Employed | No | No | No |  |
| 850573 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4756.05 | N/A | Employed |  | No |  | Yes | Present |
| 850593 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5951 | 7.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8829.63 | Yes | Employed |  | No |  | No |  |
| 850613 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18138 | 7.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21742.89 | N/A | Employed | Employed | No | No | No |  |
| 850615 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4742.55 | 8.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7262.9 | N/A | Employed |  | No |  | No |  |
| 850617 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 14380.25 | 10.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 51434.49 | Yes | Employed |  | No |  | No |  |
| 850619 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | Yes | 5495 | 10.043 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6256.88 | N/A | Employed |  | No |  | No |  |
| 850620 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17327.5 | 9.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19889.08 | N/A | Employed |  | No |  | No |  |
| 850621 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11035 | 10.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10300.14 | Yes | Employed | Not Employed | No | No | No |  |
| 850626 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 128824.51 | Yes | Employed |  | No |  | Yes | Present |
| 850629 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1430 | 9.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18364.8 | Yes | Employed |  | No |  | No |  |
| 850630 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24148.13 | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 239367.71 | Yes | Employed |  | No |  | No |  |
| 850631 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7995 | 8.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19893.48 | Yes | Employed |  | No |  | No |  |
| 850640 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11720 | 10.722 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7073.48 | N/A | Employed |  | No |  | No |  |
| 850650 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5837.38 | Yes | Employed |  | No |  | Yes | Present |
| 850679 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 23708.96 | 7.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19953.12 | N/A | Employed | Not Employed | No | No | No |  |
| 850689 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11865 | 7.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15062.22 | Yes | Employed | Employed | No | No | No |  |
| 850698 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1964.2 | 9.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11137.58 | N/A | Employed | Employed | No | No | No |  |
| 850704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 52927.27 | Yes | Employed |  | No |  | Yes | Present |
| 850715 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2549 | 7.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14386.44 | Yes | Employed |  | No |  | No |  |
| 850730 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 2545 | 7.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4390.2 | N/A | Employed |  | No |  | No |  |
| 850739 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 1500 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14251.1 | Yes | Employed | Employed | No | No | No |  |
| 850759 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13936.31 | N/A | Employed |  | No |  | Yes | Present |
| 850760 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 33727.97 | 7.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 102558.59 | Yes | Employed |  | No |  | No |  |
| 850767 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.162 | Yes | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13901.24 | N/A | Employed | Employed | No | No | No |  |
| 850776 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1745 | 7.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3796306.3 | N/A | Employed | Not Employed | No | No | No |  |
| 850777 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9297.14 | N/A | Employed |  | No |  | Yes | Present |
| 850781 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8360 | 7.659 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 149145.18 | Yes | Employed |  | No |  | No |  |
| 850793 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850800 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 1640 | 8.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26539.43 | N/A | Employed |  | No |  | No |  |
| 850815 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2962 | 7.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12523.02 | Yes | Employed |  | No |  | No |  |
| 850818 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13079.5 | 6.838 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7315.83 | N/A | Employed |  | No |  | No |  |
| 850827 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16640 | 7.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9088.55 | Yes | Employed |  | No |  | No |  |
| 850837 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 25589.26 | N/A | Employed |  | No |  | Yes | Present |
| 850844 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13246 | 7.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17415.01 | Yes | Employed |  | No |  | No |  |
| 850853 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2215 | 7.685 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14157.86 | Yes | Employed |  | No |  | No |  |
| 850854 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21856.88 | Yes | Employed |  | No |  | No |  |
| 850857 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11561.2 | 7.807 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 6314.99 | Yes | Employed | Employed | No | No | No |  |
| 850861 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9430.95 | 7.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10625.3 | Yes | Employed | Employed | No | No | No |  |
| 850866 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.063 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36321.48 | N/A | Not Employed | Employed | No | No | No |  |
| 850867 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9550 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27415.27 | N/A | Employed |  | No |  | No |  |
| 850909 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14125.32 | N/A | Employed |  | No |  | No |  |
| 850912 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22311.96 | N/A | Employed |  | No |  | Yes | Present |
| 850916 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 6.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16900.26 | Yes | Employed | Employed | No | No | No |  |
| 850936 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13981.25 | 7.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6199.05 | N/A | Employed |  | No |  | No |  |
| 850943 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17279 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8624.37 | Yes | Employed |  | No |  | No |  |
| 850951 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10262.76 | Yes | Employed |  | No |  | Yes | Present |
| 850952 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26945.21 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 67961.45 | N/A | Employed |  | No |  | No |  |
| 850975 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 23162.12 | 7.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19631.69 | Yes | Employed | Not Employed | No | No | No |  |
| 850979 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19283.06 | N/A | Employed |  | No |  | No |  |
| 850998 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1765 | 7.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4114.01 | Yes | Retired | Retired | No | No | No |  |
| 851006 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.483 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 5878.45 | N/A | Employed |  | No |  | No |  |
| 851021 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8079.41 | N/A | Retired | Retired | No | No | No |  |
| 851078 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13895 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 7399.5 | Yes | Employed |  | No |  | No |  |
| 851102 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6340 | 8.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7022.74 | N/A | Employed |  | No |  | No |  |
| 851103 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2190 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29491.93 | Yes | Employed | Not Employed | No | No | No |  |
| 851104 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 13772.5 | 7.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11304.14 | Yes | Employed |  | No |  | No |  |
| 851105 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 16910 | 7.886 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7139.66 | Yes | Employed |  | No |  | No |  |
| 851106 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22250 | 7.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29808.44 | N/A | Employed |  | No |  | No |  |
| 851115 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2590 | 7.663 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18559.73 | Yes | Employed |  | No |  | No |  |
| 851315 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6060 | 7.276 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | 5014.21 | Yes | Employed |  | No |  | No |  |
| 851316 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7297.05 | N/A | Employed |  | No |  | Yes | Present |
| 851317 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7900.62 | 7.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3879.88 | Yes | Employed |  | No |  | No |  |
| 851328 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1719 | 6.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 56407.46 | N/A | Employed |  | No |  | No |  |
| 851359 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851372 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9175 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19346.7 | Yes | Employed |  | No |  | No |  |
| 851373 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 525 | 7.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5783.14 | N/A | Employed | Retired | No | No | No |  |
| 851376 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11108.75 | 7.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6438.27 | N/A | Employed |  | No |  | No |  |
| 851379 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 34400 | 7.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35986.24 | N/A | Employed |  | No |  | No |  |
| 851386 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 5575.16 | 7.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 14083.98 | N/A | Employed | Not Employed | No | No | No |  |
| 851426 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5163.74 | 8.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7014.15 | Yes | Employed | Employed | No | No | No |  |
| 851453 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1450 | 7.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17777.99 | N/A | Employed |  | No |  | No |  |
| 851470 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4466.2 | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22937.93 | Yes | Employed | Not Employed | No | No | No |  |
| 851484 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 13181.93 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6611.54 | N/A | Employed |  | No |  | No |  |
| 851487 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.042 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11604.16 | N/A | Not Employed |  | No |  | No |  |
| 851494 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 101236.34 | Yes | Employed |  | No |  | Yes | Present |
| 851524 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 18218.69 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8603.07 | Yes | Employed | Employed | No | No | No |  |
| 851624 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 7220.54 | Yes | Employed |  | No |  | Yes | Present |
| 851635 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2365 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13948.65 | N/A | Employed |  | No |  | No |  |
| 851713 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26419.08 | N/A | Employed | Employed | No | No | No |  |
| 851719 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 24170 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8123.78 | N/A | Employed | Employed | No | No | No |  |
| 851722 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18994.38 | 7.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 34144.4 | N/A | Employed |  | No |  | No |  |
| 851749 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8805 | 6.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23055.15 | Yes | Employed |  | No |  | No |  |
| 851801 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16135.74 | N/A | Employed | Employed | No | No | Yes | Present |
| 851806 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8560 | 7.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6657.45 | N/A | Employed |  | No |  | No |  |
| 851822 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7140 | 7.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4307.08 | N/A | Employed |  | No |  | No |  |
| 851823 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 13333 | 7.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5904.22 | N/A | Employed |  | No |  | No |  |
| 851856 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6399 | 8.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5442.11 | Yes | Employed |  | No |  | No |  |
| 851878 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12885 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39226.67 | N/A | Employed |  | No |  | No |  |
| 851886 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9520 | 7.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12154.05 | N/A | Employed |  | No |  | No |  |
| 851887 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21020 | 7.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11402.73 | N/A | Employed |  | No |  | No |  |
| 851896 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5480 | 6.96 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33953.84 | Yes | Employed |  | No |  | No |  |
| 851913 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | 86989.78 | N/A | Employed |  | No |  | Yes | Present |
| 851916 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4025 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4956.41 | N/A | Employed |  | No |  | No |  |
| 851936 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 25765 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25121.13 | N/A | Employed |  | No |  | No |  |
| 851937 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14563.13 | 6.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32683.95 | Yes | Employed |  | No |  | No |  |
| 851942 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 7.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8287.07 | Yes | Employed |  | No |  | No |  |
| 851982 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6617.91 | Yes | Employed |  | No |  | No |  |
| 851991 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4100.4 | 6.726 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4853.67 | N/A | Not Employed |  | No |  | No |  |
| 852059 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12655 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15901.23 | N/A | Employed |  | No |  | No |  |
| 852063 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8630 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15657.18 | Yes | Employed |  | No |  | No |  |
| 852121 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 28110 | 7.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25764.1 | Yes | Employed | Employed | No | No | No |  |
| 852141 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2265 | 6.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10999.55 | N/A | Employed |  | No |  | No |  |
| 852229 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16298 | 7.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15604.77 | Yes | Employed |  | No |  | No |  |
| 852246 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10146.65 | 7.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8689.67 | N/A | Employed | Employed | No | No | No |  |
| 852252 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 102344.86 | N/A | Employed |  | No |  | Yes | Present |
| 852292 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 37811.22 | N/A | Employed |  | No |  | Yes | Present |
| 852307 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11468 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15238.86 | N/A | Employed |  | No |  | No |  |
| 852332 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23122.45 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 109548.99 | Yes | Employed | Not Employed | No | No | No |  |
| 852364 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1095 | 8.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13602.1 | N/A | Employed |  | No |  | No |  |
| 852370 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 20090 | 7.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13190.86 | N/A | Not Employed | Employed | No | No | No |  |
| 852381 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3550 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28889.87 | N/A | Employed |  | No |  | No |  |
| 852383 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 4045 | 8.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4675.44 | Yes | Employed |  | No |  | No |  |
| 852385 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4068.6 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9174.73 | Yes | Employed | Employed | No | No | No |  |
| 852430 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 7594.21 | N/A | Retired |  | No |  | No |  |
| 852488 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 17030 | 8.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10684.33 | Yes | Employed |  | No |  | No |  |
| 852524 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 999 | 9.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3411.78 | Yes | Employed |  | No |  | No |  |
| 852564 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1570 | 7.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38285.85 | Yes | Employed | Employed | No | No | No |  |
| 852697 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6550 | 8.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6433.48 | N/A | Employed |  | No |  | No |  |
| 852699 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8585 | 8.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15306.44 | N/A | Employed |  | No |  | No |  |
| 852738 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8156.66 | N/A | Employed |  | No |  | No |  |
| 852775 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 35344 | 7.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22514.83 | Yes | Employed |  | No |  | No |  |
| 852804 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 22012.04 | 7.383 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 8307.25 | Yes | Employed |  | No |  | No |  |
| 852815 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6760 | 6.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6134.26 | Yes | Employed |  | No |  | No |  |
| 852816 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11630 | 7.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5864.49 | Yes | Employed |  | No |  | No |  |
| 852825 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 37481.64 | N/A | Employed |  | No |  | Yes | Present |
| 852917 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 22189.91 | 7.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12010.6 | Yes | Employed |  | No |  | No |  |
| 852919 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 44258.01 | N/A | Employed |  | No |  | Yes | Present |
| 852947 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5698.75 | 7.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11133.63 | N/A | Employed |  | No |  | No |  |
| 852948 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14245 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 1220000.78 | N/A | Employed |  | No |  | No |  |
| 852976 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13075.88 | N/A | Employed |  | No |  | Yes | Present |
| 853148 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7455 | 7.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5873.17 | N/A | Employed |  | No |  | No |  |
| 853162 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 22953.66 | Yes | Not Employed | Employed | No | No | No |  |
| 853225 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14690 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9171.48 | N/A | Employed |  | No |  | No |  |
| 853347 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10550 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24004.26 | N/A | Employed |  | No |  | No |  |
| 853820 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 7.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13018.46 | Yes | Employed |  | No |  | No |  |
| 853824 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11995 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 14231.96 | N/A | Employed | Employed | No | No | No |  |
| 853825 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2240 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10207.76 | N/A | Employed | Employed | No | No | No |  |
| 853832 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 51092.83 | Yes | Employed |  | No |  | Yes | Present |
| 853882 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30947.5 | 8.115 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25422.68 | N/A | Employed |  | No |  | No |  |
| 854006 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2990 | 7.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26932.02 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**CLARIFII VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 824511 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-14-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.73 | 73.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-19-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-11-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838131 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-09-2025 |
| 838457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 32.05 | 32.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839580 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-31-2025 |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-05-2025 | Not Eligible |  |  |
| 839893 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible |  |  |
| 840448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.23 | 68.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840756 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-05-2025 | Other |  |  | xxxxxx | 26.09 | 26.09 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841246 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.9 | 24.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841824 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.61 | 46.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.86 | 69.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 843479 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-23-2025 |
| 843653 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 68.03 | 68.03 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 843759 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843880 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.51 | 62.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 08-13-2025 |
| 843889 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.43 | 46.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-24-2025 | Eligible | 1 | 07-24-2025 |
| 843953 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 62.84 | 62.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844122 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844135 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844170 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0900 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0900 | xxxxxx | Moderate | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0121 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0121 | 09-11-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 844241 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 08-15-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-15-2025 |
| 844447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-13-2025 | Not Eligible |  |  |
| 844577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.42 | 25.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-08-2025 | Eligible | 2.2 | 08-08-2025 |
| 844654 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-01-2025 |
| 844680 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-22-2025 | Other |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0129 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0129 | xxxxxx | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844712 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 |
| 844813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.31 | 69.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 | Eligible |  |  |
| 844823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-31-2025 |
| 844986 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.25 | 56.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 845188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845190 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.92 | 56.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845284 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.87 | 69.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845300 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 54.35 | 54.35 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 | Eligible |  |  |
| 845377 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-22-2025 |
| 845397 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 09-04-2025 |
| 845434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-14-2025 |
| 845456 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 31.07 | 31.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 08-20-2025 |
| 845504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 845520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0889 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0889 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845535 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1570 | xxxxxx | High | 08-17-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-18-2025 | Eligible | 1 | 08-18-2025 |
| 845726 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 845769 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.4 | 69.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 07-26-2025 |
| 845814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 845855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-07-2025 |
| 845972 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.51 | 48.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 08-15-2025 |
| 845974 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.1807 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.1807 | 10-09-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 845997 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845998 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846001 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846004 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.45 | 64.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846005 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846012 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846014 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.62 | 65.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 08-14-2025 |
| 846090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 |
| 846109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 29.5 | 29.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-11-2025 | Eligible | 1 | 08-11-2025 |
| 846166 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-13-2025 | Eligible |  |  |
| 846281 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0374 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0374 | 90.0 | 0.1 | xxxxxx | xxxxxx | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 846315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846406 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846421 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 846488 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | AVM |  |  | xxxxxx | 25.7 | 74.87 | xxxxxx | xxxxxx | -.0092 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0092 | 94.0 | 0.06 | xxxxxx | xxxxxx | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 | Eligible | 1 | 08-28-2025 |
| 846504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-21-2025 | Eligible | 1 | 08-21-2025 |
| 846525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 846530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-15-2025 |
| 846658 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846687 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-22-2025 | Eligible |  |  |
| 846689 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.67 | 64.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.69 | 60.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846725 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 26.97 | 26.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0530 | 93.0 | 0.07 | xxxxxx | xxxxxx | 08-13-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846734 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-09-2025 | Eligible | 1.6 | 08-09-2025 |
| 846800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-19-2025 | Eligible |  |  |
| 846808 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 42.22 | 42.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846851 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.29 | 63.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 846872 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.1 | 32.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846877 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.52 | 74.52 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-25-2025 | Eligible | 2.2 | 08-25-2025 |
| 846881 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 | Eligible | 1 | 09-23-2025 |
| 846894 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 04-29-2025 |
| 846895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 04-28-2025 |
| 846896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 05-14-2025 |
| 846900 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 66.05 | 66.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 07-22-2025 |
| 847029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 847040 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847051 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0838 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0838 | xxxxxx | Moderate | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 847064 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 37.78 | 37.78 | xxxxxx | xxxxxx | -.0889 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0889 | xxxxxx | Moderate | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847075 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.91 | 58.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-04-2025 |
| 847105 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.3 | 66.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847143 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-27-2025 |
| 847164 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.74 | 63.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 847178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 847213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 847273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 847285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 847288 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.2 | 69.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 09-12-2025 |
| 847299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 847313 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.0 | 60.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0395 | 86.0 | 0.14 | xxxxxx | xxxxxx | 08-14-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847318 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847321 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847323 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0870 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0870 | xxxxxx | Moderate | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847497 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 09-05-2025 |
| 847518 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 | Eligible | 1 | 09-18-2025 |
| 847579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 | Eligible | 1 | 09-11-2025 |
| 847595 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-18-2025 | Eligible | 2.8 | 09-18-2025 |
| 847606 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.43 | 52.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847608 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-22-2025 | Eligible | 1 | 09-22-2025 |
| 847621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 847632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-24-2025 |
| 847638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 847646 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847678 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.2 | 64.42 | xxxxxx | xxxxxx | -.0603 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0603 | 92.0 | 0.08 | xxxxxx | xxxxxx | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 847739 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 66.78 | 66.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847785 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.97 | 73.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 847807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 847813 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.83 | 59.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847816 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847837 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.98 | 40.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 | Eligible | 1 | 09-26-2025 |
| 847842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847882 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847937 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-09-2025 | Eligible | 1 | 09-09-2025 |
| 847949 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-27-2025 |
| 847954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-11-2025 |
| 848026 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 | Eligible | 1 | 10-10-2025 |
| 848049 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 848061 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0192 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0192 | 08-27-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0192 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848067 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 | Eligible | 1.6 | 09-11-2025 |
| 848101 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848102 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 848108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 09-17-2025 |
| 848113 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.0 | 40.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848123 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848134 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-10-2025 | Eligible | 1.5 | 09-10-2025 |
| 848145 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 09-16-2025 |
| 848158 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.89 | 69.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 848185 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-26-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848212 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.88 | 76.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-02-2025 | Eligible |  |  |
| 848215 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-23-2025 |
| 848228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 09-08-2025 |
| 848258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 848405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 848447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 848450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 | Eligible | 1 | 09-11-2025 |
| 848474 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848477 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.92 | 74.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 848479 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848480 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 09-26-2025 |
| 848514 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848517 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848530 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.82 | 79.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 08-14-2025 |
| 848607 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0023 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0023 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848608 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.71 | 74.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx |  | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848631 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 848664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848672 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.19 | 53.19 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 09-29-2025 |
| 848689 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.74 | 64.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-11-2025 |
| 848725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.27 | 67.27 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 | Eligible |  |  |
| 848726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 848743 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 | Eligible | 1.1 | 09-24-2025 |
| 848763 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.13 | 74.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 848821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848828 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.92 | 74.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 09-09-2025 |
| 848864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | Other |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 10-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848865 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-07-2025 | Other |  |  | xxxxxx | 54.3 | 54.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.91 | 70.91 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-12-2025 |
| 848900 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.21 | 55.21 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 | Eligible | 1 | 09-15-2025 |
| 848930 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 | Eligible | 1 | 10-06-2025 |
| 848990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-01-2025 |
| 849009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 849020 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849029 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 849047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 10-01-2025 |
| 849048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 | Eligible | 1 | 09-30-2025 |
| 849090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 | Eligible |  |  |
| 849096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-18-2025 |
| 849109 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.06 | 84.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 849121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-08-2025 | Eligible | 1.3 | 10-08-2025 |
| 849124 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849139 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.24 | 63.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 10-03-2025 |
| 849140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-30-2025 | Eligible | 1.2 | 09-30-2025 |
| 849180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-29-2025 | Eligible | 1 | 09-29-2025 |
| 849204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 849206 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.79 | 72.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 849241 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.7 | 54.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-05-2025 |
| 849256 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.73 | 66.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-08-2025 |
| 849268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849277 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.63 | 59.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-27-2025 |
| 849279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-22-2025 |
| 849295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0100 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0100 | 98.0 | 0.02 | xxxxxx | xxxxxx | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 09-30-2025 |
| 849297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 849304 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.13 | 78.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-09-2025 | Eligible | 1 | 10-09-2025 |
| 849311 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.85 | 76.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-09-2025 | Eligible | 1.5 | 10-09-2025 |
| 849328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849347 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.56 | 72.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849420 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.0 | 25.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849422 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849433 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.49 | 68.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-26-2025 | Not Eligible |  |  |
| 849499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-09-2025 |
| 849525 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.44 | 69.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849543 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.43 | 71.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-07-2025 | Eligible | 1 | 10-07-2025 |
| 849545 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 | Eligible | 1.3 | 10-22-2025 |
| 849609 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.38 | 58.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-13-2025 |
| 849624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-20-2025 | Eligible | 2.5 | 10-20-2025 |
| 849634 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.71 | 74.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849652 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.41 | 77.82 | xxxxxx | xxxxxx | -.0114 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0114 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849654 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.7 | 52.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849666 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0291 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0291 | xxxxxx | Moderate | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0290 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0290 | 90.0 | 0.1 | xxxxxx | xxxxxx | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-06-2025 |
| 849686 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-13-2025 |
| 849702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 09-25-2025 |
| 849723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-14-2025 | Eligible | 1 | 10-14-2025 |
| 849792 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 849794 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.43 | 41.2 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1019 | 93.0 | 0.07 | xxxxxx | xxxxxx | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849806 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 38.48 | 38.48 | xxxxxx | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 849810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 849936 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849956 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-23-2025 |
| 849981 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.15 | 79.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 | Eligible |  |  |
| 849990 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-24-2025 | Not Eligible | 1.2 | 09-23-2025 |
| 849995 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.02 | 57.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-04-2025 |
| 850015 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 | Eligible | 1 | 10-03-2025 |
| 850016 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.84 | 69.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-06-2025 |
| 850022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0098 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0098 | 10-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-07-2025 |
| 850051 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850055 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.73 | 68.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850060 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.55 | 57.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-08-2025 |
| 850065 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 63.68 | 63.68 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-06-2025 | Eligible |  |  |
| 850067 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 09-30-2025 |
| 850072 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850073 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 850076 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 850078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 850081 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850086 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.76 | 59.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 850106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-13-2025 | Eligible | 1 | 10-13-2025 |
| 850117 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 850119 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850120 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-23-2025 | Eligible | 1 | 09-23-2025 |
| 850131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-22-2025 |
| 850137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-27-2025 | Eligible |  |  |
| 850154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 08-29-2025 |
| 850155 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.26 | 48.26 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-25-2025 |
| 850157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 850158 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.83 | 70.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-07-2025 | Eligible |  |  |
| 850159 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 73.43 | 73.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 | Eligible | 3 | 10-06-2025 |
| 850167 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-28-2025 | Not Eligible | 2.3 | 09-28-2025 |
| 850171 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.76 | 56.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 850184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-02-2025 | Eligible |  |  |
| 850211 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850224 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850229 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-04-2025 |
| 850230 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.0 | 72.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 850265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-28-2025 | Eligible | 1 | 09-28-2025 |
| 850425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0543 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0543 | 96.0 | 0.04 | xxxxxx | xxxxxx | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 850449 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0848 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0848 | 93.0 | 0.07 | xxxxxx | xxxxxx | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 850468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 | Eligible | 1 | 10-01-2025 |
| 850472 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.59 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-14-2025 |
| 850474 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.0 | 45.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-13-2025 |
| 850491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-14-2025 | Not Eligible | 1 | 10-14-2025 |
| 850494 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.93 | 74.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 850495 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 850524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850541 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.53 | 56.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 10-13-2025 |
| 850544 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.3 | 73.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 850558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-21-2025 |
| 850568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-20-2025 |
| 850573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-03-2025 |
| 850593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 10-10-2025 |
| 850613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0566 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0566 | xxxxxx | Moderate | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-16-2025 | Eligible |  |  |
| 850615 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-18-2025 | AVM |  |  | xxxxxx | 39.9 | 80.0 | xxxxxx | xxxxxx | .0829 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0829 | 93.0 | 0.07 | xxxxxx | xxxxxx | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850617 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.13 | 79.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850619 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.79 | 73.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 850620 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.72 | 58.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-19-2025 |
| 850621 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-29-2025 | AVM |  |  | xxxxxx | 14.24 | 41.99 | xxxxxx | xxxxxx | -.0981 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0981 | 88.0 | 0.12 | xxxxxx | xxxxxx | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850626 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.65 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-23-2025 |
| 850629 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.38 | 79.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-01-2025 |
| 850630 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.09 | 75.0 | xxxxxx | xxxxxx | -.0226 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0226 | 96.0 | 0.04 | xxxxxx | xxxxxx | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850631 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.61 | 67.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850640 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.0 | 71.35 | xxxxxx | xxxxxx | -.0962 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0962 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 09-09-2025 |
| 850650 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | AVM |  |  | xxxxxx | 16.85 | 53.8 | xxxxxx | xxxxxx | .0317 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0317 | 93.0 | 0.07 | xxxxxx | xxxxxx | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 850689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.85 | 89.85 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 | Eligible |  |  |
| 850698 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.53 | 72.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 850704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0070 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0070 | 09-15-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-09-2025 | Eligible |  |  |
| 850715 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 | Eligible | 1 | 10-06-2025 |
| 850739 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0536 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0536 | xxxxxx |  | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-12-2025 | Eligible |  |  |
| 850759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 10-02-2025 |
| 850760 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 | Eligible |  |  |
| 850767 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 76.46 | 76.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 850776 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-16-2025 |
| 850777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0118 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0118 | 97.0 | 0.03 | xxxxxx | xxxxxx | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 850781 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.26 | 68.26 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-06-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-17-2025 | Eligible |  |  |
| 850793 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-20-2025 |
| 850800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-16-2025 | Not Eligible | 1 | 10-16-2025 |
| 850815 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 | Eligible | 2.3 | 10-13-2025 |
| 850818 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-05-2025 |
| 850827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-16-2025 |
| 850837 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850844 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 850854 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 850857 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 850861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 88.0 | 88.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 850866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 10-01-2025 |
| 850867 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.67 | 69.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-14-2025 |
| 850909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 | Eligible | 1 | 09-30-2025 |
| 850916 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-14-2025 | Eligible | 1.3 | 10-14-2025 |
| 850936 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.57 | 74.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 850943 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 | Eligible | 1 | 09-29-2025 |
| 850951 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 | Eligible | 1 | 10-09-2025 |
| 850952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-05-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850975 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 850979 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.22 | 61.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-02-2025 |
| 850998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 10-21-2025 | Not Eligible | 2 | 10-21-2025 |
| 851006 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-26-2025 |
| 851021 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-24-2025 | Not Eligible | 1 | 10-24-2025 |
| 851078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 | Eligible |  |  |
| 851102 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 73.53 | 73.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851103 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-23-2025 |
| 851104 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 851105 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.84 | 72.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 851115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.92 | 77.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 851315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 851316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851317 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.45 | 45.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-10-2025 | Eligible |  |  |
| 851328 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.33 | 68.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-26-2025 | Eligible | 1.3 | 09-26-2025 |
| 851359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 10-13-2025 |
| 851372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 62.02 | 62.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-13-2025 | Eligible | 2 | 10-13-2025 |
| 851373 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.0 | 59.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 851376 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.44 | 69.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 851379 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-14-2025 | Eligible |  |  |
| 851386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.93 | 89.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 | Eligible | 1 | 10-24-2025 |
| 851426 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.32 | 79.99 | xxxxxx | xxxxxx | .0262 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0262 | 94.0 | 0.06 | xxxxxx | xxxxxx | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-20-2025 |
| 851470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 09-26-2025 |
| 851484 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.06 | 63.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 851487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-24-2025 | Not Eligible | 1 | 10-24-2025 |
| 851494 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 | Eligible |  |  |
| 851524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0172 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0172 | 10-23-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-27-2025 |
| 851624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 | Eligible | 1.2 | 10-23-2025 |
| 851635 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-24-2025 |
| 851713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 851719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.89 | 89.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-28-2025 |
| 851722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-30-2025 | Eligible | 1 | 10-30-2025 |
| 851749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 40.59 | 40.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 | Eligible |  |  |
| 851806 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 851822 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-21-2025 |
| 851823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 851856 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.57 | 62.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-29-2025 | Eligible | 2.1 | 10-29-2025 |
| 851886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-06-2025 |
| 851887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-30-2025 |
| 851896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0024 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0024 | 95.0 | 0.05 | xxxxxx | xxxxxx | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 851913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-28-2025 | Eligible | 1 | 10-28-2025 |
| 851916 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851936 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.75 | 73.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-23-2025 |
| 851937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851942 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 851982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 851991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 52.17 | 52.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-18-2025 | Eligible | 1 | 10-18-2025 |
| 852059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-03-2025 | Eligible | 1 | 11-03-2025 |
| 852121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 10-27-2025 | Not Eligible | 2.5 | 10-27-2025 |
| 852141 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.0 | 30.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 852229 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-23-2025 | Eligible | 1 | 10-23-2025 |
| 852246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 852252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 852292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-21-2025 | Eligible | 1 | 10-21-2025 |
| 852307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-05-2025 |
| 852332 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 41.79 | 41.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 11-10-2025 |
| 852364 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.48 | 40.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-06-2025 |
| 852370 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852381 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-15-2025 | Eligible | 1 | 10-15-2025 |
| 852383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-28-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 | Eligible |  |  |
| 852385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-28-2025 |
| 852430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-27-2025 | Not Eligible | 1 | 10-27-2025 |
| 852488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 | Eligible | 1.4 | 10-21-2025 |
| 852524 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 8.56 | 57.29 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-29-2025 | Eligible | 2.1 | 09-29-2025 |
| 852564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.95 | 78.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 852697 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.33 | 67.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-27-2025 |
| 852699 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 852738 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-29-2025 |
| 852775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-14-2025 | Not Eligible | 2.5 | 10-14-2025 |
| 852804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852815 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 852816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 | Eligible | 1 | 11-03-2025 |
| 852825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-04-2025 | Eligible | 1.1 | 11-04-2025 |
| 852917 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-07-2025 | Eligible | 1.3 | 10-07-2025 |
| 852919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.16 | 77.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 852947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 852948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 10-28-2025 |
| 852976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853148 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-27-2025 |
| 853162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-07-2025 |
| 853225 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.0 | 73.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 853347 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 10-29-2025 |
| 853820 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-19-2025 |
| 853824 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853825 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.87 | 74.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 853882 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-24-2025 | Eligible | 1.3 | 06-24-2025 |
| 854006 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |

---

## Exhibit 99.22

**EXHIBIT 99.22**

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

![](tm2534371d1_ex99-22img001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between July 15, 2025 through November 21, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2026-1 securitization.

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 50 residential and 24 business purpose loans for a total of 74 loans (the "Final Securitization Population").

*<u>Credit Reviews (74):</u>*

During the Review, Selene performed a credit review on 74 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (74)</u>*

During the Review, Selene performed a compliance review, as applicable, on 74 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (74):</u>*

During the Review, Selene performed a property valuation review on 74 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (74):</u>*

During the Review, Selene performed a Data Integrity Review on 74 mortgage loans in the Final Securitization Population.

*VERUS 2026-1 Executive Summary (Selene Diligence)*

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 74 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |

---

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

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

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

**CREDIT REVIEW**

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

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

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

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

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

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

**DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 74 mortgage loans, (ii) a Compliance Review, as applicable, on 74 mortgage loans (iii) a Valuation Review on 74 mortgage loans, and (iv) a Data Integrity Review on 74 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 74 mortgage loans; 57 mortgage loans had a rating grade of A and 17 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

***Grades per loan (84 overall loans):***

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO<br> Grade** | **Fitch** | **Fitch %** | **Kroll** | **Kroll %** | **NRSRO<br> Grade** | **Fitch** | **Fitch %** | **Kroll** | **Kroll %** |
| A | 23 | 31.08% | 23 | 31.08% | A | 56 | 75.68% | 56 | 75.68% |
| B | 1 | 1.35% | 1 | 1.35% | B | 18 | 24.32% | 18 | 24.32% |
| C | 17 | 22.97% | 17 | 22.97% | C | 0 | 0.00% | 0 | 0.00% |
| D | 33 | 44.59% | 33 | 44.59% | D | 0 | 0.00% | 0 | 0.00% |
|  | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** |  | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO<br> Grade** | **Fitch** | **Fitch %** | **Kroll** | **Kroll %** | **NRSRO<br> Grade** | **Fitch** | **Fitch %** | **Kroll** | **Kroll %** |
| A | 73 | 98.65% | 73 | 98.65% | A | 57 | 77.03% | 57 | 77.03% |
| B | 1 | 1.35% | 1 | 1.35% | B | 17 | 22.97% | 17 | 22.97% |
| C | 0 | 0.00% | 0 | 0.00% | C | 0 | 0.00% | 0 | 0.00% |
| D | 0 | 0.00% | 0 | 0.00% | D | 0 | 0.00% | 0 | 0.00% |
|  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| **NRSRO<br> Grade** | **Fitch** | **Fitch %** | **Kroll** | **Kroll %** |  |  |  |  |  |
| A | 74 | 100.00% | 74 | 100.00% |  |  |  |  |  |
| B | 0 | 0.00% | 0 | 0.00% |  |  |  |  |  |
| C | 0 | 0.00% | 0 | 0.00% |  |  |  |  |  |
| D | 0 | 0.00% | 0 | 0.00% |  |  |  |  |  |

---

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction.

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

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

Selene furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
 as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **7** of **18** |

---

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and confirm
 that any issues have been addressed in the loan file;

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

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

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

**Additional Review**

Selene's review procedures also included:

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

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

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

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

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

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

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

2. AK Small
 Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository
 Institution Registration

3. AR Home
 Loan Protection Act

4. AZ Mortgage
 Banker & Broker License-Consumer Lender License

5. CA AB 489/344
 (Division 1.6 of the Financial Code)

6. CO Consumer
 Equity Protection Article

7. CO Consumer
 Credit Code

8. DE Licensed
 Lender License Broker License Lender License

9. Washington,
 DC Home Loan Protection Act of 2002

10. Washington,
 DC Mortgage Disclosure Act of 2007

11. FL Fair
 Lending Act

12. GA Fair
 Lending Act (pre- and post-amendments)

13. HW Financial
 Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License
 - Mortgage Loan Originator Company License

14. ID Residential
 Mortgage Practices Act - (Home Loan Practices article)

15. IN Home
 Loan Practices Article

16. IA Mortgage
 Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant-
 Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant

17. KS Consumer
 Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

18. LA Residential
 Mortgage Lending License - Consumer Loan License- Licensed Lender License

19. MA Mortgage
 Lender and Broker Regulations

20. MD Commercial
 Law amended by Maryland Senate Bill 270

21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

22. MI Consumer
 Mortgage Protection Act

23. MN Mortgage
 Originator and Servicer Licensing Act

24. MS Residential
 Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

25. MO Mortgage
 Company License

26. MT - Consumer
 Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender
 License

27. NC Rate
 Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

28. ND Money
 Broker License

29. NE Mortgage
 Bankers Registration and Licensing Act

30. NH First
 Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License
 – Mortgage Broker License

31. NJ Home
 Ownership Security Act 2002 (pre- and post-amendments)

32. NM Home
 Loan Protection Act (pre- and post-amendments)

33. OH Consumer
 Sales Practices Act

34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

35. Summit
 County, OH Consumer Affairs Board Ordinance

36. Summit
 County, OH Consumer Protection Ordinance

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

38. OR Consumer
 Finance License – Consumer Finance Registration – Mortgage Lender License

39. PA Consumer
 Equity Protection Act

40. RI Home
 Loan Protection Act and Regulation 3

41. SD Mortgage
 Lender License – Mortgage Broker License

42. TN Home
 Loan Protection Act

43. UT Residential
 Mortgage Practices and Licensing Act

44. VA Mortgage
 Lender and Broker Act

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

46. WV Residential
 Mortgage Lender, Broker and Servicer Act

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**APPENDIX C – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

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

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

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

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

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

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**APPENDIX D – DSCR SCOPE**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule
 of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal
 Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background
 Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal
 Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity
 and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review
 OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence
 of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of
 good standing

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business
 Tax Returns

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles
 of Incorporation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution
 to take on Debt

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit
 Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review
 OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each
 lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm
 tenant is a natural person

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify
 vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each
 lease contains the monthly rental payment, commencement and expiration dates, and term and
 remaining term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm
 the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review
 property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm
 "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review
 sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For
 multifamily properties: review the appraiser's cash flow assumptions, rent comparables,
 cap rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed
 Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent
 Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental
 Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross
 rents for the previous two-month period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating
 Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property
 Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent
 Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 vacancy is within guidelines

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **17** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating
 Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 taxes, insurance and HOA are populated at loan level and within range at portfolio level
 per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property
 Management Agreement / Tri Party Agreement if no property manager

---

| | |
|:---|:---|
| *VERUS 2026-1 Executive Summary (Selene Diligence)* | Page **18** of **18** |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**SELENE RATING AGENCY GRADES DETAIL REPORT**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-15 23:03 | 2025-11-13 06:54 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-AVM supports value - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/13/2025 <br> Rescinded-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 2nd lien file and loan amount is less than 250000, so AVM will be sufficient and no secondary value required - Due Diligence Vendor-07/16/2025 | Please see the link below with an AVM from xxxxxx - 11/13/2025 <br>| Resolved-AVM supports value - Due Diligence Vendor-11/13/2025 <br> Rescinded-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 2nd lien file and loan amount is less than 250000, so AVM will be sufficient and no secondary value required - Due Diligence Vendor-07/16/2025 |  |  | 842344_AVM xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-07 05:18 | 2025-11-07 05:21 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-NRTC, cover letter & tracking - ok with proof of delivery provided. - Due Diligence Vendor-11/07/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (xxxxxx) is earlier than the system calculated "Right to Cancel Expire Date" (xxxxxx). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 |  | Resolved-NRTC, cover letter & tracking - ok with proof of delivery provided. - Due Diligence Vendor-11/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 00:39 | 2025-07-29 07:25 | Resolved | 1 - Information C A | Compliance | xxxxxx | Rescission: Variance | Resolved-NRTC, cover letter & tracking - ok with proof of delivery provided. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. NRTC, cover letter & tracking - ok with proof of delivery per xxxxxx - Seller-07/23/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (xxxxxx) is earlier than the system calculated "Right to Cancel Expire Date" (xxxxxx). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (xxxxxx) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (xxxxxx) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the 3rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23) Borrower singed to Right to cancel on xxxxxx and cancel date also reflects same day. there is a second RoR in file as well, with a possible correct cancel date, but its not legible. Also, 2 copies provided to borrower need to be the same. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. NRTC, cover letter & tracking - ok with proof of delivery per xxxxxx - Seller-07/23/2025 | Resolved-NRTC, cover letter & tracking - ok with proof of delivery provided. - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx NRTC, lox & tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 01:18 | 2025-07-28 05:29 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-PCI report + AVM is allowed per GL's. Resolved - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Property Inspection - Seller-07/25/2025 <br> Open-Per GL version 05/06/2025 page 23, Property Condition Inspection must needed to qualify with AVM. it's missing in the file - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Property Inspection - Seller-07/25/2025 | Resolved-PCI report + AVM is allowed per GL's. Resolved - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 00:11 | 2025-07-23 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided and updated. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/22/2025 <br> Open-The 1008 document is missing from the loan file. Calculated CLTV will be 88.1% but 1008 reflects as 19.16 (1st lien outstanding balance xxxxxx + 2nd lien amount xxxxxx = xxxxxx / Appraisal value xxxxxx=88.1%). 1st lien P&I amount not consider for DTI. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/22/2025 | Resolved-1008 provided and updated. - Due Diligence Vendor-07/23/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 00:06 | 2025-07-23 09:48 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-updated 1008 provided, DTI in line. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/22/2025 <br> Open-Calculated DTI is 34.51% not matching with 1008 DTI 20.94%. (Calculated DTI is 1st lien was escrows & PITIA xxxxxx + 2nd lien P&I xxxxxx + All other liabilities $878= total liabilities is $3774.5 / income $10937.76 = 34.51%). provide missing appraisal disclosure and DTI calculation worksheet - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/22/2025 | Resolved-updated 1008 provided, DTI in line. - Due Diligence Vendor-07/23/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842344 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 00:13 | 2025-07-23 03:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Legal documents for Subordination lien uploaded, Verified - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. DOT for 1st Mortgage - Seller-07/22/2025 <br> Open-1st lien Note or DOT is missing in the file. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. DOT for 1st Mortgage - Seller-07/22/2025 | Resolved-Legal documents for Subordination lien uploaded, Verified - Resolved<br> - Due Diligence Vendor-07/23/2025 |  |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843063 | xxxxxx | D A | Closed | xxxxxx | 2025-11-03 06:15 | 2025-11-04 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosure dated xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Counter-Counter, received LE dated xxxxxx however missing closing disclosure dated xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-TRID: Missing Closing Disclosure Missing initial closing disclosure dated xxxxxx with coinciding change of circumstance if applicable. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 | Resolved-Resolved, received closing disclosure dated xxxxxx. - Due Diligence Vendor-11/04/2025 |  |  | xxxxxx CC 2.pdf<br> xxxxxx CC 2.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843760 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843871 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845460 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 11:42 | 2025-09-25 05:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-Resolved. 1-4 Family Rider received - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Page 1 of the 1-4 Family Rider is missing. Provide complete 1-4 Family Rider - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Resolved. 1-4 Family Rider received - Due Diligence Vendor-09/25/2025 |  |  | Rider.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845866 | xxxxxx | C A | Closed | xxxxxx | 2025-09-14 05:17 | 2025-09-17 05:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Wire Proof for Gift funds $140000 Provided. Asset 4 Meets Guideline Requirement.<br> - Due Diligence Vendor-09/17/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Per xxxxxx, When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide supporting documentation for the Gift Funds iao $140,000. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Wire Proof for Gift funds $140000 Provided. Asset 4 Meets Guideline Requirement.<br> - Due Diligence Vendor-09/17/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/17/2025 |  |  | Wires.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846264 | xxxxxx | C A | Closed | xxxxxx | 2025-08-26 13:37 | 2025-09-02 06:56 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated employment page and data compare page. DSCR is in line at 1.021 - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. DSCR Calculator - Seller-08/29/2025 <br> Counter-Market rent is 3,400 and rent is 3300 based on guidelines on page. 26 tenant occupied use the lower of the two. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. DSCR calc - Seller-08/27/2025 <br> Open-DSCR worksheet in file is using incorrect PITIA One in file is using market rents as well and should use lease amount as it is the lowest - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. DSCR Calculator - Seller-08/29/2025 <br> Ready for Review-Document Uploaded. DSCR calc - Seller-08/27/2025 | Resolved-Updated employment page and data compare page. DSCR is in line at 1.021 - Due Diligence Vendor-09/02/2025 |  |  | DSCR.pdf<br> DSCR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846264 | xxxxxx | C A | Closed | xxxxxx | 2025-08-26 13:30 | 2025-08-27 06:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Title showing correct loan amount - Seller-08/26/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Coverage shows for xxxxxx and needs to reflect xxxxxx - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Title showing correct loan amount - Seller-08/26/2025 | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/27/2025 |  |  | Final Signed Commitment (2).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846357 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846359 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-17 00:30 | 2025-09-19 08:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Guidelines do not allow entity to sign note Loan is qualifying with LLC note and dot signed as LLC. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025 | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-09/19/2025 | 19.00 months reserves - 2 months reserves required<br> Personal guarantee in the file |  | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846529 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846639 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846744 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847287 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847366 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-16 06:58 | 2025-10-09 05:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-10/09/2025 <br> Resolved-The client elects to waive with the following compensating factors. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Guidelines do not allow entity to sign note - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-10/09/2025 <br> Resolved-The client elects to waive with the following compensating factors. - Due Diligence Vendor-09/24/2025 | Personal Guarantee in the file<br> 721 FICO score - 700 FICO minimum<br> 65% LTV - 75% maximum |  | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 847619 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 11:04 | 2025-10-23 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received Loan Estimates dated xxxxxx and xxxxxx with coinciding COC,s. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Missing Loan Estimates dated xxxxxx and xxxxxx with coinciding COC,s. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Resolved, received Loan Estimates dated xxxxxx and xxxxxx with coinciding COC,s. - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847619 | xxxxxx | D A | Closed | xxxxxx | 2025-10-18 02:58 | 2025-10-23 06:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.585%) APR equals or exceeds the Federal HPML threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.57%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 319 and the Final Closing disclosure on Pg#'s 176 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25 and copy of the appraisal was given to the borrower – see Pg#'s 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/23/2025 <br> Resolved-. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Resolved-The loan's (8.585%) APR equals or exceeds the Federal HPML threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.57%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 319 and the Final Closing disclosure on Pg#'s 176 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25 and copy of the appraisal was given to the borrower – see Pg#'s 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/18/2025 <br> Open- - Due Diligence Vendor-10/18/2025 |  | Resolved-The loan's (8.585%) APR equals or exceeds the Federal HPML threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.57%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 319 and the Final Closing disclosure on Pg#'s 176 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25 and copy of the appraisal was given to the borrower – see Pg#'s 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/23/2025 <br> Resolved-. - Due Diligence Vendor-10/23/2025 <br> Resolved-The loan's (8.585%) APR equals or exceeds the Federal HPML threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.57%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 319 and the Final Closing disclosure on Pg#'s 176 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25 and copy of the appraisal was given to the borrower – see Pg#'s 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847701 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847798 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848168 | xxxxxx | C A | Closed | xxxxxx | 2025-10-07 06:29 | 2025-10-14 08:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Resolved. Supporting documentation received for $100,000. Wires iao $45,000 and $55,000. - Due Diligence Vendor-10/14/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Full gift wasn't needed. - Seller-10/13/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Gift Letter on page 297 reflect gift funds iao $100,000; however, Provide supporting documentation for the $100,000 in Gift Funds. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Full gift wasn't needed. - Seller-10/13/2025 | Resolved-Resolved. Supporting documentation received for $100,000. Wires iao $45,000 and $55,000. - Due Diligence Vendor-10/14/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/14/2025 |  |  | xxxxxx Wires.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848549 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-10 05:30 | 2025-11-04 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Resolved. Received Borrower's 1 month paystub which is inline with income entered. - Due Diligence Vendor-10/24/2025 <br> Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Paystub attached - Seller-10/23/2025 <br> Counter-Provide the paystub for the wage income xxxxxx. The copy of the bank history is the net deposit. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Payroll deposit is on bank statement xxxxxx xxxxxx.<br>- Seller-10/15/2025 <br> Open-Borrower 1 Paystubs Missing Paystub is missing from xxxxxx. Provide the xxxxxx paystub. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Paystub attached - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. Payroll deposit is on bank statement xxxxxx xxxxxx.<br>- Seller-10/15/2025 | Resolved-Resolved. Received Borrower's 1 month paystub which is inline with income entered. - Due Diligence Vendor-10/24/2025 <br> Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/24/2025 |  |  | xxxxxx payroll deposit.pdf<br> Paystub xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848549 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-10 06:13 | 2025-10-28 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Updated Final 1003 & 1008 uploaded with xxxxxx acct xxxxxx asset removed, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 assets removed - Seller-10/15/2025 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. The xxxxxx acct xxxxxx includes non borrowing spouse with no LOE in the file for access. Provide an LOE for accessibility. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 assets removed - Seller-10/15/2025 | Resolved-Updated Final 1003 & 1008 uploaded with xxxxxx acct xxxxxx asset removed, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-10/16/2025 |  |  | 1003 1008 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848549 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-12 20:45 | 2025-10-28 07:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved-Resolved. Refund to the borrower with tracking and LOE result in a compliance test pass. - Due Diligence Vendor-10/28/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. $1.05 cure check, tracking, lox & PCCD - Seller-10/27/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (xxxxxx). The Last CD shows a total lender credit amount of (xxxxxx). 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)). Lender Credit decreased form revised CD amount xxxxxx to Final CD amount xxxxxx with no COC in the file. Provide COC. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. $1.05 cure check, tracking, lox & PCCD - Seller-10/27/2025 | Resolved-Resolved. Refund to the borrower with tracking and LOE result in a compliance test pass. - Due Diligence Vendor-10/28/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/28/2025 |  |  | xxxxxx $1.05 cure check, tracking, lox & PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848549 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-12 22:01 | 2025-10-17 08:54 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Resolved-borrower filed an extension for 2024 tax returns. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Extension - Seller-10/15/2025 <br> Open-The file does not contain the 2024 tax returns. Provide the 2024 tax return. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Extension - Seller-10/15/2025 | Resolved-Resolved-borrower filed an extension for 2024 tax returns. - Due Diligence Vendor-10/17/2025 |  |  | Tax Returns.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848549 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-10 05:47 | 2025-10-16 03:08 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/16/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-10/15/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per GL dated 09/05/2025 page 26 gap credit report is required no more than 10 days prior to loan closing. The gap report in file is greater than 20 days of closing. Provide a gap credit report within GL of closing date. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-10/15/2025 | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/16/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/16/2025 |  |  | Credit Report xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848952 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-08 02:47 | 2025-12-15 15:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 579<br> Exception Reason: Loan File Borrowers are Non Perm Residents from xxxxxx, GL Requirement xxxxxx is an OFAC Sanctioned Country. Borrowers are not on OFAC list as individuals.<br> Borrower is not on OFAC list as an individual - Due Diligence Vendor-12/15/2025 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 |  | Waived-Loan does not conform to program guidelines Exception page 579<br> Exception Reason: Loan File Borrowers are Non Perm Residents from xxxxxx, GL Requirement xxxxxx is an OFAC Sanctioned Country.<br> Borrower is not on OFAC list as an individual - Due Diligence Vendor-12/15/2025 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 | LTV - Loan File 65%, GL Requirement Max 70%<br> Housing History - Loan File 0x30x29 months, GL Requirement 1x30x12 months<br> Investor Experience is 29 months, GL Requirement N/A<br> Personal Guaranty with full recourse executed by borrower present in file |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848952 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-09 13:48 | 2025-10-14 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/12/2025 <br> Open-Borrower Type ineligible per program guidelines. Note is signed by xxxxxx and xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/12/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/14/2025 | LTV - Loan File 65%, GL Requirement Max 70%<br> Reserves- Loan File 5.7 months, GL Requirement Min 2 months<br> Housing History - Loan File 0x30x29 months, GL Requirement 1x30x12 months<br> Investor Experience is 29 months, GL Requirement N/A<br> Personal Guaranty with full recourse executed by borrower present in file |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 848994 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-06 03:48 | 2025-10-22 14:07 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated documentation, consistent with audit findings. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Counter-The loan file contains a tax certificate that reflects the annual tax of xxxxxx. This amount is for the assessed value of the land only. The appraisal indicated the subject property is xxxxxx that was completed in xxxxxx. The lender is using a monthly tax of xxxxxx. Using the tax rate of 3.271 from the tax certificate and the sales price of xxxxxx from the Final Closing Disclosure, QC calculated a monthly tax of xxxxxx. It could not be determined how the monthly tax was calculated by the lender. Due to the increase of the monthly tax the DTI increased to 42.52% from 41.13%. A 1008 or final application to support the correct PITIA of xxxxxx with the appropriate monthly tax of xxxxxx was not located in the loan file. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. 1003/1008 - Seller-10/14/2025 <br> Open-Taxes are calculated per month and equate to xxxxxx per month but lender has considered 1825.74 as the monthly assessed value. DTI discrepancy - Due Diligence Vendor-10/14/2025 <br> Open-Audited HTI/ DTI are 19.17 / 39.04 and lender HTI / DTI are 22.89 / 41.52. the differences are 3.72 / 2.48. <br>This is because (1) Lender considered overtime income as 1,825.74 whereas per our calculations it is 1,471.5. (2)1008, final CD shows tax amount as xxxxxx whereas tax cert on page #754 shows tax amount as xxxxxx annually or xxxxxx monthly. (3) Lender considered other income as $1,049.05 per final 1003, 1008 however there is no proof of documentation on file to verify this income, hence this income is not considered in our calculations. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Ready for Review-Document Uploaded. 1003/1008 - Seller-10/14/2025 | Resolved-Updated documentation, consistent with audit findings. - Due Diligence Vendor-10/22/2025 |  |  | 1003.1008.pdf<br> 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848994 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-06 05:16 | 2025-10-16 05:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Final 1003, 1008 & Lender Income Calculation Worksheet with corrected Qualifying Income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/15/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Income Calc and updated 1003/1008<br> Other income the UW broke down what it was on the income worksheet (B1-xxxxxx) - Seller-10/14/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. (1) Lender income calculation worksheet on page # 533 shows income from xxxxxx employer as $8,054. However, final 1003 shows Regular income as $8,054, Overtime income as $1,825.74 and Other income as $1,049.05 from this employer. Provide updated lender worksheet validating these incomes.<br> (2) Lender income calculation worksheet on page # 533 shows income from xxxxxx business as $11,766.69. However, final 1003 shows income form this business as $11,550. Provide updated lender worksheet validating this $11,550 amount.<br> - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Income Calc and updated 1003/1008<br> Other income the UW broke down what it was on the income worksheet (B1-xxxxxx) - Seller-10/14/2025 | Resolved-Updated Final 1003, 1008 & Lender Income Calculation Worksheet with corrected Qualifying Income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/15/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-10/15/2025 |  |  | B1 - xxxxxx.pdf<br> Income Analyzer Worksheet - B1.pdf<br> 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848994 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-06 04:36 | 2025-10-15 03:51 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Updated Final 1003, 1008 & Lender Income Calculation Worksheet with corrected Qualifying Income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Income Calc and updated 1003/1008<br> Other income the UW broke down what it was on the income worksheet (B1-xxxxxx)<br> - Seller-10/14/2025 <br> Open-Per the final 1003, borrower is receiving other income of $1,049.05. Provide supporting income document validating this amount as it is not in file. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Income Calc and updated 1003/1008<br> Other income the UW broke down what it was on the income worksheet (B1-xxxxxx)<br> - Seller-10/14/2025 | Resolved-Updated Final 1003, 1008 & Lender Income Calculation Worksheet with corrected Qualifying Income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-10/15/2025 |  |  | B1 - xxxxxx.pdf<br> Income Analyzer Worksheet - B1.pdf<br> 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848994 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-06 03:34 | 2025-10-14 04:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared report provided, updated & condition resolved.<br> - Due Diligence Vendor-10/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-10/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 444) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-10/10/2025 | Resolved-Requested alerts cleared report provided, updated & condition resolved.<br> - Due Diligence Vendor-10/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/14/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848994 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-06 04:17 | 2025-10-08 10:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.505%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 534 and the Final Closing disclosure on page # 240-244 reflects escrows. Rate lock is on page # 564. An interior and exterior appraisal was completed for this property – see page # 22-51, the appraisal disclosure was provided to the borrower(s)- see page # 598, and confirmation the appraisal was delivered to the borrower is missing from file. The loan doesn't meet HPML guidelines, resolved. - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/06/2025 <br> Open-The loan's (8.505%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 534 and the Final Closing disclosure on page # 240-244 reflects escrows. Rate lock is on page # 564. An interior and exterior appraisal was completed for this property – see page # 22-51, the appraisal disclosure was provided to the borrower(s)- see page # 598, and confirmation the appraisal was delivered to the borrower is missing from file. The loan doesn't meet HPML guidelines, resolved. - Due Diligence Vendor-10/06/2025 <br> Open- - Due Diligence Vendor-10/06/2025 |  | Resolved-The loan's (8.505%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 534 and the Final Closing disclosure on page # 240-244 reflects escrows. Rate lock is on page # 564. An interior and exterior appraisal was completed for this property – see page # 22-51, the appraisal disclosure was provided to the borrower(s)- see page # 598, and confirmation the appraisal was delivered to the borrower is missing from file. The loan doesn't meet HPML guidelines, resolved. - Due Diligence Vendor-10/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849077 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-27 04:03 | 2025-10-30 07:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-10/30/2025 | Credit Score- Loan File 737, GL Requirement Min 700<br> Reserves- Loan File 51.51 months, GL Requirement Min 2 months<br> Personal Guaranty with Full Recourse |  | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849498 | xxxxxx | B A | Closed | xxxxxx | 2025-11-17 11:51 | 2025-12-09 09:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 <br> Waived-Loan does not conform to program guidelines Exception page 398, <br> Exception Reason: OTHER - Loan File 90% LTV with living rent free with no housing verified on primary - Due Diligence Vendor-12/09/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 <br> Waived-Loan does not conform to program guidelines Exception page 398, <br> Exception Reason: OTHER - Loan File 90% LTV with living rent free with no housing verified on primary - Due Diligence Vendor-12/09/2025 | DTI is 25.5%. Maximum allowed per guidelines is 50%.<br> Residual Income is $42987.09. Minimum Residual Income required per guidelines is $2500. <br> Borrower Current payment History is 0X30X29, 0X30X18, 0X30X24, 0X30X13, 0X30X36, 0X30X87, 0X30X14, 0X30X23, 0X30X18, 0X30X18, 0X30X15, 0 months. Payment History required per guidelines is 0X600X12 months.<br> Job Stability is 5.5 Yr Minimum required per guidelines is 2Yr. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849498 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 01:47 | 2025-11-05 10:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 350, and the Final Closing disclosure on Pg#'s 183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 383. An interior and exterior appraisal was completed for this property – see pg 78-84, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and confirmation the appraisal was delivered to the borrower – see Pg#'s 226. The loan meets HPML guidelines. - Due Diligence Vendor-11/05/2025 <br> Resolved-. - Due Diligence Vendor-11/05/2025 <br> Resolved-The loan's (8.898%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 350, and the Final Closing disclosure on Pg#'s 183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 383. An interior and exterior appraisal was completed for this property – see pg 78-84, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and confirmation the appraisal was delivered to the borrower – see Pg#'s 226. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 |  | Resolved-Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 350, and the Final Closing disclosure on Pg#'s 183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 383. An interior and exterior appraisal was completed for this property – see pg 78-84, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and confirmation the appraisal was delivered to the borrower – see Pg#'s 226. The loan meets HPML guidelines. - Due Diligence Vendor-11/05/2025 <br> Resolved-. - Due Diligence Vendor-11/05/2025 <br> Resolved-The loan's (8.898%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 350, and the Final Closing disclosure on Pg#'s 183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 383. An interior and exterior appraisal was completed for this property – see pg 78-84, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and confirmation the appraisal was delivered to the borrower – see Pg#'s 226. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849704 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849744 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-26 23:21 | 2025-10-31 11:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Requested Wire proof provided for gift funds, updated & condition resolved. - Due Diligence Vendor-10/28/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Per GL, When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a <br> cashier's check, money order, or wire transfer. Provide supporting documentation of gift funds iao $53,000. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 | Resolved-Requested Wire proof provided for gift funds, updated & condition resolved. - Due Diligence Vendor-10/28/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/28/2025 |  |  | Gift Wire.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849744 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-27 12:17 | 2025-10-31 11:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Counter-Per the Matrix requirements if the tax preparer is PTIN and the LTV is >= 75%, the borrower must qualified with a standard 50% expense factor; however, the borrower qualified with a 39% expense factor. Income calculation is as follows: Total Net Deposits $112,580.33 \* 100% Ownership = $112,580.33 \* 39% expense factor = $68,674/12 months = $5722.83 qualifying monthly income. Provide Exception - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. We have the entity documents.<br>- Seller-10/28/2025 <br> Open-Loan does not conform to program guidelines Per GL, Preparer Tax Identification Number (PTIN)- Purchase with LTV ≤ 75%: Eligible; however LTV is 85%. Provide Exception - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. We have the entity documents.<br>- Seller-10/28/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/31/2025 | Credit Score - Loan File 726, GL Requirement Min 700<br> Consumer Payment History- Loan File 0x30x12 months, GL Requirement 0x60x12 months<br> Housing History- Loan File 0x30x19 months old mortgage on credit, GL Requirement 1x30x12 months<br> Borrower Contribution Loan File 15%, GL Requirement 10% of sales price<br> Tradelines- Loan File 5 acceptable tradelines, GL Requirement no minimum |  | xxxxxx.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849744 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-26 23:52 | 2025-10-28 05:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised LE dated xxxxxx and related COC's received - Due Diligence Vendor-10/28/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <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: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is missing for "Appraisal Desk Review Fee" has increased from Initial LE($0) to Initial CD(xxxxxx). Also, provide Revised LE dated xxxxxx and related COC's<br> - Due Diligence Vendor-10/27/2025 <br> Open- - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC's received - Due Diligence Vendor-10/28/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/28/2025 |  |  | CCs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849745 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 10:38 | 2025-11-06 05:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Counter-Document Uploaded. Received Revised LE dated xxxxxx and COC dated xxxxxx. Provide Revised LE dated xxxxxx and related COC. See attached Disclosure Tracking Summary. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Counter-Revised LE dated xxxxxx and COC received. Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-Provide Revised LE's dated xxxxxx and related COC's - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-11/06/2025 |  |  | xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> Loan xxxxxx- Disclosure Tracking.png<br> CCCCC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849745 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 03:04 | 2025-11-06 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/06/2025 <br> Open-. - Due Diligence Vendor-11/06/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/04/2025 <br> Resolved-The loan's (8.724%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-11/04/2025 <br> Resolved-The loan's (8.724%) APR equals or exceeds the Federal HPML threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.57%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/06/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/04/2025 <br> Resolved-The loan's (8.724%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-11/04/2025 <br> Resolved-The loan's (8.724%) APR equals or exceeds the Federal HPML threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.57%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849745 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 03:04 | 2025-11-06 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-11/06/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.724%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/06/2025 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.724%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.724%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.57%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-11/06/2025 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.724%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/04/2025 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.724%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.07%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.57%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 291 reflects escrows. Rate lock date was entered correctly – see Pg#'s 531. An interior and exterior appraisal was completed for this property – see pg 23 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 561, and copy of the appraisal was given to the borrower – see Pg#'s 267 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-10/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849746 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 08:38 | 2025-11-12 10:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/12/2025 <br> Waived-Audited Reserves of 6.35 month(s) are less than Guideline Required Reserves of 9 month(s) Exception page 412<br> Exception Reason: Reserves Loan File 6.35 months, GL Requirement Min 6 month + 3 months addt'l required due to borrower living rent free - Due Diligence Vendor-10/27/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/12/2025 <br> Waived-Audited Reserves of 6.35 month(s) are less than Guideline Required Reserves of 9 month(s) Exception page 412<br> Exception Reason: Reserves Loan File 6.35 months, GL Requirement Min 6 month + 3 months addt'l required due to borrower living rent free - Due Diligence Vendor-10/27/2025 | Residual Income- Loan File $7555.86, GL Requirement $2500<br> Borrower Contribution - Loan File 15%, GL Requirement 10% of sales price<br> Consumer Payment History - Loan File 0x30x12 months, GL Requirement 0x60x12 months<br> Credit Score - Loan File 707, GL Requirement Min 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849746 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 09:37 | 2025-10-28 06:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE dated xxxxxx, Revised CD xxxxxx and related COC's received - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx, Revised CD xxxxxx and related COC's - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025 | Resolved-Resolved. Revised LE dated xxxxxx, Revised CD xxxxxx and related COC's received - Due Diligence Vendor-10/28/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849746 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 09:23 | 2025-10-28 06:00 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Open-The 1008 document is missing from the loan file. 1008 is present; however, the Interest Rate is reflected as 7.375% but the Note and Final CD reflect an interest Rate of 7.50%. Provide an updated 1008 with updated Interest rat, P&I, HTI and DTI. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/28/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849746 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 00:42 | 2025-11-07 14:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.86%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#364 doc and the Final Closing disclosure on Pg# 221 reflects escrows. Rate lock date was entered correctly see Pg# 385 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 464 and copy of the appraisal was given to the borrower see Pg# 273. The loan meets HPML guidelines" - Due Diligence Vendor-10/28/2025 <br> Open- - Due Diligence Vendor-10/28/2025 <br> Resolved-The loan's (7.86%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#364 doc and the Final Closing disclosure on Pg# 221 reflects escrows. Rate lock date was entered correctly see Pg# 385 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 464 and copy of the appraisal was given to the borrower see Pg# 273. The loan meets HPML guidelines" <br>- Due Diligence Vendor-10/27/2025 <br> Open- - Due Diligence Vendor-10/27/2025 <br> Open- - Due Diligence Vendor-10/27/2025 |  | Resolved-The loan's (7.86%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#364 doc and the Final Closing disclosure on Pg# 221 reflects escrows. Rate lock date was entered correctly see Pg# 385 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 464 and copy of the appraisal was given to the borrower see Pg# 273. The loan meets HPML guidelines" - Due Diligence Vendor-10/28/2025 <br> Resolved-The loan's (7.86%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#364 doc and the Final Closing disclosure on Pg# 221 reflects escrows. Rate lock date was entered correctly see Pg# 385 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 464 and copy of the appraisal was given to the borrower see Pg# 273. The loan meets HPML guidelines" <br>- Due Diligence Vendor-10/27/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849748 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-05 08:13 | 2025-11-12 11:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/12/2025 <br> Waived-Exception page 301<br> Reserves - Loan File 5.82 months, GL Requirement Min 6 months<br> Exception Reason: Borrower has 5.63 months of the required 6 months reserves. Borrower is short by $975.73. Borrower does have the 6 months; however, has an xxxxxx Open card which also needs to be accounted for. Deducting the $5,614.00 xxxxxx. Balance and the remaining reserve amount is 5.82 months.<br> Client elects to waive with the following compensating factors<br>Balance and t he remaining reserve amount is 5.82 months." - Due Diligence Vendor-11/05/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/12/2025 <br> Waived-Exception page 301<br> Reserves - Loan File 5.82 months, GL Requirement Min 6 months<br> Exception Reason: Borrower has 5.63 months of the required 6 months reserves. Borrower is short by $975.73. Borrower does have the 6 months; however, has an xxxxxx xxxxxx which also needs to be accounted for. Deducting the $5,614.00 xxxxxx. Balance and the remaining reserve amount is 5.82 months.<br> Client elects to waive with the following compensating factors<br>Balance and t he remaining reserve amount is 5.82 months." - Due Diligence Vendor-11/05/2025 | Residual Income is $3480.04. Minimum Residual Income required per guidelines is $2500. <br> Borrower Consumer History is 0X30, 36 months. Housing History required per guidelines is 1X60, 12 months.<br> Borrower Housing History is 0X30, 30 months. Housing History required per guidelines is 1X30, 12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849748 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-05 11:12 | 2025-11-06 05:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised CD's dated xxxxxx and related COC's received. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx and related COC's - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 | Resolved-Resolved. Revised CD's dated xxxxxx and related COC's received. - Due Diligence Vendor-11/06/2025 |  |  | CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849752 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 07:59 | 2025-10-27 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-Borrower 1 IRS Transcripts Missing Provide Borrower 1 IRS Transcripts - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-10/27/2025 |  |  | xxxxxx Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849752 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 09:03 | 2025-10-23 06:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849754 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-28 11:56 | 2025-12-09 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-10/30/2025 <br> Waived-Client elects to waive with the following compensating factors:<br> Audited reserves of 5.18 are less than 6 months required by the guidelines of required reserves. we have UW exception for the same page 468. - Due Diligence Vendor-10/28/2025 |  | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-10/30/2025 <br> Waived-Client elects to waive with the following compensating factors:<br> Audited reserves of 5.18 are less than 6 months required by the guidelines of required reserves. we have UW exception for the same page 468. - Due Diligence Vendor-10/28/2025 | Residual Income is $6502.81. Minimum Residual Income required per guidelines is $2500. <br> Borrower contribution 15%. Guidelines require 5%<br> Borrower has job stability of 8 years, as per guidelines we required 2 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849754 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 11:46 | 2025-10-30 04:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosure dated xxxxxx with coinciding change of circumstance. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Resolved, received closing disclosure dated xxxxxx with coinciding change of circumstance. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure dated xxxxxx with coinciding change of circumstance. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 | Resolved-Resolved, received closing disclosure dated xxxxxx with coinciding change of circumstance. - Due Diligence Vendor-10/30/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849755 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 13:54 | 2025-10-21 06:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/21/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849755 | xxxxxx | D A | Closed | xxxxxx | 2025-10-14 09:07 | 2025-10-21 06:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | <br> Resolved-The loan's (8.1%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#332's IEAD and the Final Closing disclosure on Pg#'s 99, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s353, . An interior and exterior appraisal was completed for this property – see pg# 44, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 438, and confirmation the appraisal was delivered to the borrower – see Pg#'s 91. The loan meets HPML guidelines. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/17/2025 |  | Resolved-The loan's (8.1%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#332's IEAD and the Final Closing disclosure on Pg#'s 99, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s353, . An interior and exterior appraisal was completed for this property – see pg# 44, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 438, and confirmation the appraisal was delivered to the borrower – see Pg#'s 91. The loan meets HPML guidelines. - Due Diligence Vendor-10/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849757 | xxxxxx | A | Closed | xxxxxx | 2025-11-05 09:54 | 2025-11-05 11:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.974%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 392 and the Final Closing disclosure on Pg#'s 217 reflects escrows. Rate lock date was entered correctly – see Pg#'s 757 An interior and exterior appraisal was completed for this property – see pg 33 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 750 and copy of the appraisal was given to the borrower – see Pg#'s 172, 173 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 |  | Resolved-The loan's (7.974%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 392 and the Final Closing disclosure on Pg#'s 217 reflects escrows. Rate lock date was entered correctly – see Pg#'s 757 An interior and exterior appraisal was completed for this property – see pg 33 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 750 and copy of the appraisal was given to the borrower – see Pg#'s 172, 173 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-11/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849760 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-29 23:23 | 2025-11-03 04:12 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Resolved, received updated appraisal document with PUD check xxxxxx and HOA amount. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-As per DOT PUD marked is checked where as on appraisal PUD is not checked. Provide updated appraisal document with PUD check mark and HOA amount if available. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 | Resolved-Resolved, received updated appraisal document with PUD check xxxxxx and HOA amount. - Due Diligence Vendor-11/03/2025 |  |  | xxxxxx updated appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849760 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-30 10:41 | 2025-10-31 05:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received revised loan estimate with corresponding change of circumstances. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Open-Missing revised loan estimate with corresponding change of circumstances if applicable date xxxxxx and xxxxxx. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025 | Resolved-Resolved, received revised loan estimate with corresponding change of circumstances. - Due Diligence Vendor-10/31/2025 |  |  | xxxxxx xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849765 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-18 03:07 | 2025-12-09 09:23 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 <br> Waived-Exception page 425<br> Exception Reason: Other - Business name registered with state on xxxxxx. Sole proprietor in same business prior to, from xxxxxx - Due Diligence Vendor-12/09/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 <br> Waived-Exception page 425<br> Exception Reason: Other - Business name registered with state on xxxxxx. Sole proprietor in same business prior to, from xxxxxx - Due Diligence Vendor-12/09/2025 | DTI is 29.43%, GL Requirement Max 50%.<br> Residual Income is $29,583.84, GL Requirement $2500. <br> Borrower Contribution is 15%, GL Requirement 5% of sale price.<br> Consumer Payment History is 0x30x12, GL Requirement 0x60x12 months<br> Housing History is 0X30x12 months. GL Requirement 1X30x 12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849765 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-21 12:59 | 2025-10-23 05:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849765 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-17 23:53 | 2025-10-23 05:23 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Broker Fee increased $0.38 from Initial LE to Initial CD which is within $1.00 tolerance. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Rescinded. Loan Estimate Disclosures do not capture cents. Broker Fee increased $0.38 from Initial LE to Initial CD which is within $1.00 tolerance. - Due Diligence Vendor-10/18/2025 <br> Open- - Due Diligence Vendor-10/18/2025 <br> Open- - Due Diligence Vendor-10/18/2025 |  | Resolved-Broker Fee increased $0.38 from Initial LE to Initial CD which is within $1.00 tolerance. - Due Diligence Vendor-10/23/2025 <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Rescinded. Loan Estimate Disclosures do not capture cents. Broker Fee increased $0.38 from Initial LE to Initial CD which is within $1.00 tolerance. - Due Diligence Vendor-10/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849767 | xxxxxx | D A | Closed | xxxxxx | 2025-10-16 03:56 | 2025-10-22 05:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report provided that is within the 10 business days from closing, updated & condition resolved.<br> - Due Diligence Vendor-10/22/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025 | Resolved-Requested Gap Credit Report provided that is within the 10 business days from closing, updated & condition resolved.<br> - Due Diligence Vendor-10/22/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025 |  |  | xxxxxx Gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849767 | xxxxxx | D A | Closed | xxxxxx | 2025-10-20 12:50 | 2025-10-22 05:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-10/22/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849771 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 07:29 | 2025-10-27 04:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved, received google look ups for business and CPA. - Due Diligence Vendor-10/27/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Per verification document the business was verified through the IRS and a google search missing both in file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 | Resolved-Resolved, received google look ups for business and CPA. - Due Diligence Vendor-10/27/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/27/2025 |  |  | xxxxxx of State - Summary.pdf<br> CPA Lookup.pdf<br> xxxxxx - Google Search.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849771 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 10:47 | 2025-10-22 04:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosure and COC dated xxxxxx. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure and COC dated xxxxxx. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025 | Resolved-Resolved, received closing disclosure and COC dated xxxxxx. - Due Diligence Vendor-10/22/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849771 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 10:46 | 2025-10-22 04:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received loan estimate and COCs dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Missing loan estimate and COCs dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025 | Resolved-Resolved, received loan estimate and COCs dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/22/2025 |  |  | xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849773 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849776 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849782 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-14 22:36 | 2025-10-22 05:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved. HOI Policy with an effective date on or prior to xxxxxx received - Due Diligence Vendor-10/22/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Counter-HOI Policy provided reflects an effective date of xxxxxx; however, Note is dated xxxxxx and a Closing Disbursement date of xxxxxx. Provide HOI Policy with an effective date on or prior to xxxxxx - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide HOI Policy with an effective date on or prior to xxxxxx - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. HOI Policy with an effective date on or prior to xxxxxx received - Due Diligence Vendor-10/22/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/22/2025 |  |  | xxxxxx HOI.pdf<br> xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849782 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-17 11:32 | 2025-10-21 06:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE's dated xxxxxx and related COC's received. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Provide Revised LE's dated xxxxxx and related COC's - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. Revised LE's dated xxxxxx and related COC's received. - Due Diligence Vendor-10/21/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849782 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-14 23:32 | 2025-10-21 06:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | <br> Resolved-The loan's (7.92%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 316 and the Final Closing disclosure on Pg# 171 reflects escrows. Rate lock date was entered correctly see Pg# 342 An interior and exterior appraisal was completed for this property – see Page#27 the appraisal disclosure was provided to the borrower(s)- see Pg# 336, 405, and copy of the appraisal was given to the borrower see Pg# 150 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/15/2025 <br> Open- - Due Diligence Vendor-10/15/2025 |  | Resolved-The loan's (7.92%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 316 and the Final Closing disclosure on Pg# 171 reflects escrows. Rate lock date was entered correctly see Pg# 342 An interior and exterior appraisal was completed for this property – see Page#27 the appraisal disclosure was provided to the borrower(s)- see Pg# 336, 405, and copy of the appraisal was given to the borrower see Pg# 150 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849783 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 23:33 | 2025-10-21 06:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised LE dated xxxxxx and COC received. - Due Diligence Vendor-10/21/2025 <br> Resolved- - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide Revised LE dated xxxxxx and related COC. - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. Revised LE dated xxxxxx and COC received. - Due Diligence Vendor-10/21/2025 |  |  | X CC 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849783 | xxxxxx | D A | Closed | xxxxxx | 2025-10-18 09:03 | 2025-10-21 06:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE's dated xxxxxx and related COC's received. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Provide Revised LE's dated xxxxxx and related COC's - Due Diligence Vendor-10/18/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. Revised LE's dated xxxxxx and related COC's received. - Due Diligence Vendor-10/21/2025 |  |  | X CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849783 | xxxxxx | D A | Closed | xxxxxx | 2025-10-18 09:04 | 2025-10-21 05:59 | Resolved | 1 - Information A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. CD and COC received - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-10/18/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. CD and COC received - Due Diligence Vendor-10/21/2025 |  |  | X CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849783 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 23:33 | 2025-10-21 06:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.876%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 345 and the Final Closing disclosure on Pg#'s 189 reflects escrows. Rate lock date was entered correctly – see Pg#'s 364 An interior and exterior appraisal was completed for this property – see pg 55-59, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 444 , and copy of the appraisal was given to the borrower – see Pg#'s 262 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 |  | Resolved-The loan's (8.876%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 345 and the Final Closing disclosure on Pg#'s 189 reflects escrows. Rate lock date was entered correctly – see Pg#'s 364 An interior and exterior appraisal was completed for this property – see pg 55-59, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 444 , and copy of the appraisal was given to the borrower – see Pg#'s 262 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849784 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 10:42 | 2025-10-23 05:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received Closing Disclosure Missing closing disclosure dated xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Resolved, received Closing Disclosure Missing closing disclosure dated xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure dated xxxxxx. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Resolved, received Closing Disclosure Missing closing disclosure dated xxxxxx. - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CC 2.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849784 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 10:41 | 2025-10-23 05:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received Loan estimates with coinciding COCs dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Missing loan estimates with coinciding COCs dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Resolved, received Loan estimates with coinciding COCs dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx CC 2.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849784 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 03:50 | 2025-10-23 05:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.758%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 437 and the Final Closing disclosure on Pg# 192 reflects escrows. Rate lock date was entered correctly see Pg# 461 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg# 8, and copy of the appraisal was given to the borrower see Pg# 8 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-10/23/2025 <br> Open-. - Due Diligence Vendor-10/23/2025 <br> Resolved-The loan's (7.758%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 437 and the Final Closing disclosure on Pg# 192 reflects escrows. Rate lock date was entered correctly see Pg# 461 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg# 8, and copy of the appraisal was given to the borrower see Pg# 8 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/17/2025 |  | Resolved-The loan's (7.758%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 437 and the Final Closing disclosure on Pg# 192 reflects escrows. Rate lock date was entered correctly see Pg# 461 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg# 8, and copy of the appraisal was given to the borrower see Pg# 8 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-10/23/2025 <br> Resolved-The loan's (7.758%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 437 and the Final Closing disclosure on Pg# 192 reflects escrows. Rate lock date was entered correctly see Pg# 461 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg# 8, and copy of the appraisal was given to the borrower see Pg# 8 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-10/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850039 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850049 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850652 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-08 05:03 | 2025-11-05 08:15 | Cured | 2 - Non-Material C B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Cured-PCCD received with check and lox, finding cured. - Due Diligence Vendor-11/05/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/04/2025 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx 3:1-16.2) does not allow Appraisal Review Fee (Fee ID: 96) to be charged to the Borrower in xxxxxx. Appraisal review fee is not allowed to be charged to the borrower in xxxxxx. - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 |  | Cured-PCCD received with check and lox, finding cured. - Due Diligence Vendor-11/05/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/05/2025 |  |  | scan xxxxxx.pdf<br> cure docs xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 850682 | xxxxxx | D A | Closed | xxxxxx | 2025-11-07 00:31 | 2025-11-12 08:01 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document showing correct property type. - Due Diligence Vendor-11/12/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-Provide updated 1008 showing property type as PUD. Given 1008 page #694 shows xxxxxx. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025 | Resolved-Updated 1008 document showing correct property type. - Due Diligence Vendor-11/12/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/12/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850682 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 08:17 | 2025-11-07 00:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated appraisal provided evidencing property type is PUD which matches with DOT in file. Resolved - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-The Deed of Trust is Incomplete The Appraisal and 1008 documents reflect the property as a xxxxxx. However, the Deed of Trust (DOT) document has the PUD Rider box checked, and the PUD Rider has also been received. If the property is not located within a Planned Unit Development (PUD), an updated DOT document is required. if the property is in a PUD, Required updated Appraisal document reflecting PUD Information. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 | Resolved-Updated appraisal provided evidencing property type is PUD which matches with DOT in file. Resolved - Due Diligence Vendor-11/07/2025 |  |  | xxxxxx appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850682 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 08:15 | 2025-11-12 08:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-11/12/2025 <br> Open- - Due Diligence Vendor-11/12/2025 <br> Resolved- - Due Diligence Vendor-11/12/2025 <br> Resolved-The loan's (8.042%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438, and the Final Closing disclosure on Pg#'s 285, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 470. An interior and exterior appraisal was completed for this property – see pg 36-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 560, and confirmation the appraisal was delivered to the borrower – see Pg#'s 331. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 |  | Resolved- - Due Diligence Vendor-11/12/2025 <br> Resolved- - Due Diligence Vendor-11/12/2025 <br> Resolved-The loan's (8.042%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438, and the Final Closing disclosure on Pg#'s 285, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 470. An interior and exterior appraisal was completed for this property – see pg 36-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 560, and confirmation the appraisal was delivered to the borrower – see Pg#'s 331. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/06/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850684 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-07 08:00 | 2025-12-15 15:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/15/2025 <br> Waived-Exception in file to allow 90% LTV due to payment shock > 2.5%. - Due Diligence Vendor-12/15/2025 |  | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/15/2025 <br> Waived-Exception in file to allow 90% LTV due to payment shock > 2.5%. - Due Diligence Vendor-12/15/2025 | Credit Score- Loan File 807, GL Requirement Min 700<br> Residual Income- Loan File $29,692.41, GL Requirement $2,500<br> DTI- Loan File 25.03%, GL Requirement Max 50%<br> Consumer Payment History- Loan File 0x30x25, 0x30x82. 0x30x94, 0x30x77, 0x30x16, 0x30x63, 0x30x6, 0x30x43, 0x30x36, 0x30x23, 0x30x82, GL Requirement 0x60x12<br> Housing Payment History- Loan File 0x30x20, GL Requirement 1x30x12<br> Job Stability- Loan File 4 year S/E, GL Requirement 2 years S/E |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850684 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-04 12:56 | 2025-11-07 07:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. xxxxxx xxxxxx is the spousal account which fully covered the $99K cash to close but cannot be used for reserves as noted in the finding. <br> xxxxxx is the borrower's business account & she owns 100%, so we have 3.1 mos reserves versus the 6 required. <br> - Seller-11/06/2025 <br> Open-Audited Reserves of 3.68 month(s) are less than Guideline Required Reserves of 6 month(s) Per xxxxxx Accounts • Accounts held solely in the name of a non-borrowing spouse may be used for down payment and closing costs only and are subject to the standard seasoning requirements and • Accounts held solely in the name of a non-borrowing spouse may not be used to meet reserve requirements. Qualifying Total Reserves Number of Months '3.68' are less than Required Months of Subject Property Reserves '6' due non-borrower spouse account ending - xxxxxx ineligibility to be used for reserves. Provide Exception - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. xxxxxx xxxxxx is the spousal account which fully covered the $99K cash to close but cannot be used for reserves as noted in the finding. <br> xxxxxx is the borrower's business account & she owns 100%, so we have 3.1 mos reserves versus the 6 required. <br> - Seller-11/06/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/07/2025 | Credit Score- Loan File 807, GL Requirement Min 700<br> Residual Income- Loan File $29,692.41, GL Requirement $2,500<br> DTI- Loan File 25.03%, GL Requirement Max 50%<br> Consumer Payment History- Loan File 0x30x25, 0x30x82. 0x30x94, 0x30x77, 0x30x16, 0x30x63, 0x30x6, 0x30x43, 0x30x36, 0x30x23, 0x30x82, GL Requirement 0x60x12<br> Housing Payment History- Loan File 0x30x20, GL Requirement 1x30x12<br> Job Stability- Loan File 4 year S/E, GL Requirement 2 years S/E |  | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850684 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-04 13:34 | 2025-11-06 06:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 | Resolved-Resolved. Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-11/06/2025 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850695 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 07:33 | 2025-11-20 04:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Resolved, received closing disclosure/HUD-1 xxxxxx account xxxxxx. - Due Diligence Vendor-11/20/2025 <br> Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Income 4 Months Income Verified is Missing Missing closing disclosure/HUD-1 xxxxxx account xxxxxx. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 | Resolved-Resolved, received closing disclosure/HUD-1 xxxxxx account xxxxxx. - Due Diligence Vendor-11/20/2025 <br> Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/20/2025 |  |  | xxxxxx Closing HUD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850695 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 07:33 | 2025-11-20 04:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Resolved, received closing disclosure/HUD-1 xxxxxx account xxxxxx. - Due Diligence Vendor-11/20/2025 <br> Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Income 3 Months Income Verified is Missing Missing closing disclosure/HUD-1 xxxxxx account xxxxxx. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 | Resolved-Resolved, received closing disclosure/HUD-1 xxxxxx account xxxxxx. - Due Diligence Vendor-11/20/2025 <br> Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/20/2025 |  |  | xxxxxx 1260 and 221 HUDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850702 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 07:42 | 2025-10-17 06:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Exception needed allowing Borrower to sign as a Member of LLC - Due Diligence Vendor-10/16/2025 <br> Rescinded-Guidelines do not allow entity to sign note - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/17/2025 <br> Rescinded-Guidelines do not allow entity to sign note - Due Diligence Vendor-10/16/2025 | 50% LTV below Max allowed 70% LTV<br> 125+ Months reserves exceed required 2 months<br> Personal Guaranty with full recourse executed by borrower present in file |  | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850702 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 05:38 | 2025-10-17 03:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is missing in file, Provided the same, changes made in system Finding Resolved - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-property is in flood zone required flood insurance - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-Flood Insurance Policy is missing in file, Provided the same, changes made in system Finding Resolved - Due Diligence Vendor-10/17/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850705 | xxxxxx | C A | Closed | xxxxxx | 2025-10-16 09:15 | 2025-10-23 02:54 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested HOI Policy that is dated within Note date provided, updated & condition resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Requested HOI Policy that is dated within Note date provided, updated & condition resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850706 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850711 | xxxxxx | D A | Closed | xxxxxx | 2025-10-28 05:55 | 2025-10-29 04:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard insurance Policy is expiring within 60 days, provided Updated renewal Hazard insurance policy , Changes made in system, Finding Resolved - Due Diligence Vendor-10/29/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Hazard Insurance Policy Partially Provided Hazard Insurance is Going to Expire with 60 days of note date. policy is not matching with Final CD & IEAD , First payment Document. Required Renewal Hazard insurance policy. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 | Resolved-Hazard insurance Policy is expiring within 60 days, provided Updated renewal Hazard insurance policy , Changes made in system, Finding Resolved - Due Diligence Vendor-10/29/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/29/2025 |  |  | HOI xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850711 | xxxxxx | D A | Closed | xxxxxx | 2025-10-28 11:27 | 2025-10-29 04:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received revised Loan Estimates dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Missing revised Loan Estimates dated xxxxxx and xxxxxx with any coinciding change of circumstance related to LE's. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 | Resolved-Resolved, received revised Loan Estimates dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/29/2025 |  |  | xxxxxx CCs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850824 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851072 | xxxxxx | C A | Closed | xxxxxx | 2025-10-28 23:35 | 2025-11-03 08:56 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 <br> Rescinded- - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Broker Fee Increased $0.05 less than $1, Broker fee increased from $10,993 to $10,993.05 - Due Diligence Vendor-10/29/2025 <br> Open- - Due Diligence Vendor-10/29/2025 <br> Open- - Due Diligence Vendor-10/29/2025 |  | Resolved-Resolved - Due Diligence Vendor-11/03/2025 <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Broker Fee Increased $0.05 less than $1, Broker fee increased from $10,993 to $10,993.05 - Due Diligence Vendor-10/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851072 | xxxxxx | C A | Closed | xxxxxx | 2025-10-28 22:54 | 2025-10-31 01:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-10/31/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/30/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts • The xxxxxx connect alerts summary document shows a total of 1 high alerts, Per xxxxxx lending guidelines dated 08/06/2025 page 27, required updated fraud report that shows all alerts were reviewed & cleared.<br> - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/30/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-10/31/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/31/2025 |  |  | xxxxxx Fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851334 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 18:22 | 2025-11-03 02:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed copy of Final closing disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Final CD signed/dated - Seller-10/31/2025 <br> Open-TRID: Missing Closing Disclosure Provide updated final cd as the provided one on page 201,212 B1 and B2 signature are missing. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Final CD signed/dated - Seller-10/31/2025 | Resolved-Executed copy of Final closing disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/03/2025 |  |  | xxxxxx Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851334 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 18:14 | 2025-11-03 06:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.538%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/03/2025 <br> Resolved-The loan's (8.536%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #353,388 and the Final Closing disclosure on Pg #201,212, Finding reflects escrows. Rate lock date was entered correctly – see Pg #399. An interior and exterior appraisal was completed for this property – see Pg #34, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #179,183. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 |  | Resolved-The loan's (8.538%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/03/2025 <br> Resolved-The loan's (8.536%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #353,388 and the Final Closing disclosure on Pg #201,212, Finding reflects escrows. Rate lock date was entered correctly – see Pg #399. An interior and exterior appraisal was completed for this property – see Pg #34, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #179,183. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-10/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851520 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851539 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 02:53 | 2025-10-30 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-10/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap report. Borrower 1 Gap report missing in file. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-10/30/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/30/2025 |  |  | gap xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851539 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 04:37 | 2025-10-24 04:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.52%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 516 and the Final Closing disclosure on Pg#'s 368, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 619. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#' 351, and confirmation the appraisal was delivered to the borrower – see Pg#'s 352. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-10/24/2025 <br> Open- - Due Diligence Vendor-10/24/2025 <br> Open- - Due Diligence Vendor-10/24/2025 <br> Open- - Due Diligence Vendor-10/24/2025 |  | Resolved-The loan's (8.52%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 516 and the Final Closing disclosure on Pg#'s 368, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 619. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#' 351, and confirmation the appraisal was delivered to the borrower – see Pg#'s 352. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-10/24/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851997 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-11 22:22 | 2025-11-12 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Resolved, received I-797A. - Due Diligence Vendor-11/12/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Borrower 1 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. Borrower 1 Citizenship Identification Documentation Missing - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 | Resolved-Resolved, received I-797A. - Due Diligence Vendor-11/12/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/12/2025 |  |  | B1 Non Perm Res alien docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851997 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-10 03:53 | 2025-11-12 05:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/12/2025 <br> Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:<br> Exception is on page: 361<br>Exception Request: Exception required for Non-Permanent Resident Alien use of gift funds for closing cost s and reserves. - Due Diligence Vendor-11/10/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/12/2025 <br> Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:<br> Exception is on page: 361<br>Exception Request: Exception required for Non-Permanent Resident Alien use of gift funds for closing cost s and reserves. - Due Diligence Vendor-11/10/2025 | Compensating Factors: <br> 1. Available DTI is 19.85 can use up to 50% as per guidelines<br> 2. Calculated LTV is 64.96 available up to 85%<br> 3. Present FICO is 731 but eligible from 700 <br> 4. Available Residual Income is $14,439.39 required is $2500<br> 5. Reserves available is 20 months but required is only 6 months<br> 6. Borrow er Contribution is 20% required is 5% of sales price<br> 7. Housing Payment History is 0\*30\*12 months required is 1\*30\*12. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852008 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-14 04:20 | 2025-11-19 05:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Audited Reserves of 2.18 month(s) are less than Guideline Required Reserves of 3 month(s). Provide Exception. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/19/2025 | DTI is 16.46%. Maximum allowed per guidelines is 50%.<br> Residual Income is $12,047.44. Minimum Residual Income required per guidelines is $1650. <br> Borrower Housing History is 0X30, 118 months. Housing History required per guidelines is 0X30, 6 months.<br> Borrower Contribution is 15% of Sales Price, Required is 5% of Sales Price.<br> Job Stability- Loan File 9 yrs, GL Requirement 1 yr |  | Reserves Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852008 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-14 04:17 | 2025-11-17 12:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.012%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 263 and the Final Closing disclosure on Pg#'s 165, reflects escrows. Rate lock date was entered correctly – see Pg#'s 284. An interior and exterior appraisal was completed for this property – see pg 26 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 318, and confirmation the appraisal was delivered to the borrower – see Pg#'s 155 and 193. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 |  | Resolved-The loan's (8.012%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 263 and the Final Closing disclosure on Pg#'s 165, reflects escrows. Rate lock date was entered correctly – see Pg#'s 284. An interior and exterior appraisal was completed for this property – see pg 26 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 318, and confirmation the appraisal was delivered to the borrower – see Pg#'s 155 and 193. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852010 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 01:18 | 2025-11-20 04:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved, received closing disclosure dated xxxxxx and corresponding change of circumstance. - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <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: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The appraisal fee increased by $300 in the Final Closing Disclosure. Missing Change of Circumstance. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 |  | Resolved-Resolved, received closing disclosure dated xxxxxx and corresponding change of circumstance. - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852010 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 05:44 | 2025-11-20 04:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosure dated xxxxxx and corresponding change of circumstance. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure dated xxxxxx and corresponding change of circumstance. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 | Resolved-Resolved, received closing disclosure dated xxxxxx and corresponding change of circumstance. - Due Diligence Vendor-11/20/2025 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852012 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 05:18 | 2025-11-13 04:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received initial closing disclosure dated xxxxxx. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Counter-Counter, provided LE dated xxxxxx however, missing initial closing disclosure dated xxxxxx. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-TRID: Missing Closing Disclosure - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 | Resolved-Resolved, received initial closing disclosure dated xxxxxx. - Due Diligence Vendor-11/13/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852016 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852017 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852018 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 04:24 | 2025-11-13 00:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employed Business Narrative provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Borrower qualifying with P&L. Self-Employed Business Narrative missing from file.<br> - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 | Resolved-Self-Employed Business Narrative provided. - Due Diligence Vendor-11/13/2025 |  |  | SE Business Narrative.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852020 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 13:24 | 2025-11-19 04:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved, received closing disclosures dated xxxxxx with corresponding change of circumstance. - Due Diligence Vendor-11/19/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <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 - loan discount fee has been added under 11/03/2025 issued revised CD missing change of circumstance. - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 | Resolved-Resolved, received closing disclosures dated xxxxxx with corresponding change of circumstance. - Due Diligence Vendor-11/19/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/19/2025 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852020 | xxxxxx | D A | Closed | xxxxxx | 2025-11-14 09:55 | 2025-11-19 04:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosures dated xxxxxx with corresponding change of circumstance. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. 10 30 was closing docs. - Seller-11/18/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures dated xxxxxx and xxxxxx with corresponding change of circumstances if applicable. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. 10 30 was closing docs. - Seller-11/18/2025 | Resolved-Resolved, received closing disclosures dated xxxxxx with corresponding change of circumstance. - Due Diligence Vendor-11/19/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852022 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-08 10:55 | 2025-11-17 04:23 | Resolved | 1 - Information C A | Compliance | xxxxxx | Fees: Limited | Resolved-Resolved, received post consumption CD. - Due Diligence Vendor-11/17/2025 <br> Resolved- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. PCCD attached. - Seller-11/14/2025 <br> Counter-Counter, received LOX and xxxxxx settlement statement. Missing post consumption CD. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Final CD does not show xxxxxx Foreclosure Prevention Fee however xxxxxx statement shows the 80.00 fee under Government Recording and Transfer Charges. - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (xxxxxx 61.24; xxxxxx 31.04.015(24)) xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. PCCD attached. - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 | Resolved-Resolved, received post consumption CD. - Due Diligence Vendor-11/17/2025 <br> Resolved- - Due Diligence Vendor-11/17/2025 |  |  | LOX - xxxxxx.pdf<br> LOX - xxxxxx.pdf<br> xxxxxx.pdf<br> xxxxxx.pdf<br> PCCD - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852022 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-08 10:09 | 2025-11-11 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Resolved, received gap report. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Pages 103-107. - Seller-11/11/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Required Borrower 2 Gap Credit report - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. Pages 103-107. - Seller-11/11/2025 | Resolved-Resolved, received gap report. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025 |  |  | Credit Docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852022 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-08 10:09 | 2025-11-11 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Resolved, received gap report. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Required Borrower Gap Credit report - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025 | Resolved-Resolved, received gap report. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/11/2025 |  |  | Credit Docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852022 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-10 09:31 | 2025-11-11 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Resolved, received tax transcripts. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Borrower 2 IRS Transcripts Missing Missing transcripts for 2023 per 4506 2 years were requested. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025 | Resolved-Resolved, received tax transcripts. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/11/2025 |  |  | xxxxxx 2023_2024 1040 Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852022 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-10 09:31 | 2025-11-11 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Resolved, received tax transcripts. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing transcripts for 2024. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025 | Resolved-Resolved, received tax transcripts. - Due Diligence Vendor-11/11/2025 <br> Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-11/11/2025 |  |  | xxxxxx 2024 W2b Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 07:35 | 2025-11-20 05:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved, received 1008. - Due Diligence Vendor-11/17/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-The 1008 document is missing from the loan file. 1008 Document Is missing in file. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 | Resolved-Resolved, received 1008. - Due Diligence Vendor-11/17/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 10:25 | 2025-11-20 05:36 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Resolved, received initial escrow disclosure. - Due Diligence Vendor-11/20/2025 <br> Resolved-Requested signed Initial Escrow account disclosure provided, updated & condition resolved. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 <br> Open-The Initial Escrow Disclosure Is missing Borrower Signature, Required Updated Initial Escrow Disclosure With Borrower Signature & date. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 | Resolved-Resolved, received initial escrow disclosure. - Due Diligence Vendor-11/20/2025 <br> Resolved-Requested signed Initial Escrow account disclosure provided, updated & condition resolved. - Due Diligence Vendor-11/20/2025 |  |  | IEAD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 10:24 | 2025-11-20 05:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received executed final CD. - Due Diligence Vendor-11/20/2025 <br> Resolved-Requested Executed Final CD provided, updated & condition resolved. - Due Diligence Vendor-11/20/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 <br> Open-TRID: Missing Final Closing Disclosure The Final CD Is missing Borrower Signature, Missing executed final CD. Missing disclosure tracking summary. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 | Resolved-Resolved, received executed final CD. - Due Diligence Vendor-11/20/2025 <br> Resolved-Requested Executed Final CD provided, updated & condition resolved. - Due Diligence Vendor-11/20/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/20/2025 |  |  | Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 07:39 | 2025-11-20 05:30 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Resolved, received executed note. - Due Diligence Vendor-11/20/2025 <br> Resolved-The Note is Executed - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 <br> Open-The Note is Not Executed The Note Is missing Borrower Signature, Required Updated note With Borrower Signature. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 | Resolved-Resolved, received executed note. - Due Diligence Vendor-11/20/2025 <br> Resolved-The Note is Executed - Due Diligence Vendor-11/20/2025 |  |  | Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-17 07:13 | 2025-11-20 05:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Resolved, received 4506 executed at closing. - Due Diligence Vendor-11/20/2025 <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/20/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 <br> Open-Borrower 1 Executed 4506-T Missing Missing 4506 signed at closing. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 | Resolved-Resolved, received 4506 executed at closing. - Due Diligence Vendor-11/20/2025 <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/20/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided - Due Diligence Vendor-11/20/2025 |  |  | 4506.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 07:32 | 2025-11-20 05:27 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Resolved, received executed final 1003. - Due Diligence Vendor-11/20/2025 <br> Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 <br> Open-The Final 1003 is Not Executed The 1003 Is missing Borrower Signature, Required Updated 1003 With Borrower Signature & date. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 | Resolved-Resolved, received executed final 1003. - Due Diligence Vendor-11/20/2025 <br> Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/20/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 10:23 | 2025-11-20 05:27 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Resolved, received executed DOT. - Due Diligence Vendor-11/20/2025 <br> Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 <br> Open-The Deed of Trust is Not Executed The DOT Is missing Borrower Signature & Also Condo Rider is missing Signature, Required Updated DOT & Condo Rider With Borrower Signature & date. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-11/19/2025 | Resolved-Resolved, received executed DOT. - Due Diligence Vendor-11/20/2025 <br> Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/20/2025 |  |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852023 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 10:12 | 2025-11-17 06:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> Exception is provided page 821, Min Subject Months Reserves Loan File is 2, Guideline Requirement is 3. - Due Diligence Vendor-11/14/2025 |  | Waived-Client elects to waive with the following compensating factors:<br> Exception is provided page 821, Min Subject Months Reserves Loan File is 2, Guideline Requirement is 3. - Due Diligence Vendor-11/14/2025 | LTV is 85%. Maximum allowed per guidelines is 75%.<br> Credit Score is 752. Minimum required per guidelines is 700.<br> Residual Income is $4569.15. Minimum Residual Income required per guidelines is $1500. <br> Tradelines exceed min is24 accept able tradelines". Minimum 24 accept able tradelines required per guidelines is "3 for 12 months or 2 for 18 months".<br> Consumer Payment History is "0x30x19, 0x30x60, 0x30x68, 0x30x82, 0x30x34, 0x30x71, 0x30x41, 0x30x22, 0x30x77, 0x30x82, 0x30x82, 0" . Minimum "Consumer Payment History" required per guidelines is "Not Considered". <br> Job Stability is 3.5 Minimum required per guidelines is 1. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852030 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-06 09:51 | 2025-11-17 13:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/17/2025 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Audited DTI Exceeds Guideline DTI Co borrower is a FTHB with no rental history. Per guidelines:43% First Time Homebuyer without 12-month <br> rental history. Current DTI is 49.965. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/17/2025 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/07/2025 | Credit Score Guideline requirement 620, Qualifying Score 645<br> Guideline requirement months reserves 3, Qualifying reserves 21 months<br> Guideline requirement LTV 90%, Qualifying LTV 70%<br> Guideline requirement residual income 2,100, Qualifying residual income 8,361.15 |  | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852030 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-06 08:43 | 2025-11-17 13:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Resolved, received note signed by all parties. - Due Diligence Vendor-11/17/2025 <br> Resolved-The Note is Present - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-The Note is Incomplete Co-Borrower Name Missing in the Document. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 | Resolved-Resolved, received note signed by all parties. - Due Diligence Vendor-11/17/2025 <br> Resolved-The Note is Present - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852838 | xxxxxx | A | Closed | xxxxxx | 2025-11-11 06:26 | 2025-11-13 10:04 | Resolved | 1 - Information A | Credit | Missing Doc | Missing income documentation | Resolved-Updated employment page with correct income. - Due Diligence Vendor-11/13/2025 <br> Rescinded-using correct amount 83,314.77 - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-11/12/2025 <br> Open-Income worksheet in file is not in line with 1008 and 1003 income worksheet has income at 82,016.35 where as 1008 has it at 83,314.77 if income is correct at 82,016.35 this will change the DTI. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-11/12/2025 | Resolved-Updated employment page with correct income. - Due Diligence Vendor-11/13/2025 <br> Rescinded-using correct amount 83,314.77 - Due Diligence Vendor-11/13/2025 |  |  | Income Calculation Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852845 | xxxxxx | C A | Closed | xxxxxx | 2025-11-07 04:05 | 2025-11-12 01:15 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 document uploaded, DTI matches the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-11/11/2025 <br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 37.36% but Originator DTI is 35.86%. Variance is 1.50 due to Missing Evidence of Property Tax Property Tax used for qualification as per 1008 on page#608 & Lender Loan information on page#601annual $xxxxxx ($xxxxxx). File is missing evidence to verify this amount. Other evidence in file on page#565 shows the 2024 taxes to be approximately xxxxxx annual. Provide evidence of the $xxxxxx($xxxxxx) amount. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-11/11/2025 | Resolved-Updated 1008 document uploaded, DTI matches the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/12/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852859 | xxxxxx | A | Closed | xxxxxx | 2025-11-15 02:45 | 2025-11-19 03:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 553 and the Final Closing disclosure on Pg#'s 301 reflects escrows. Rate lock date was entered correctly – see Pg#'s 618 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 61 and copy of the appraisal was given to the borrower – see Pg#'s 61 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/19/2025 <br> Resolved-. - Due Diligence Vendor-11/19/2025 <br> Resolved-The loan's (7.678%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 553 and the Final Closing disclosure on Pg#'s 301 reflects escrows. Rate lock date was entered correctly – see Pg#'s 618 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 61 and copy of the appraisal was given to the borrower – see Pg#'s 61 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/15/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/15/2025 |  | Resolved-The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 553 and the Final Closing disclosure on Pg#'s 301 reflects escrows. Rate lock date was entered correctly – see Pg#'s 618 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 61 and copy of the appraisal was given to the borrower – see Pg#'s 61 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/19/2025 <br> Resolved-. - Due Diligence Vendor-11/19/2025 <br> Resolved-The loan's (7.678%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 553 and the Final Closing disclosure on Pg#'s 301 reflects escrows. Rate lock date was entered correctly – see Pg#'s 618 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 61 and copy of the appraisal was given to the borrower – see Pg#'s 61 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852870 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-18 04:21 | 2025-11-20 04:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> See findings for approval. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Audited Reserves of 2.75 month(s) are less than Guideline Required Reserves of 3 month(s) Subject property monthly payment is $2,921.65, as per guidelines 3 months reserves required and the required amount is $8,764.95 and funds to close amount is xxxxxx, total assets required $12,856.7. Verified assets of $12,119.08 per latest bank statements. Reserves amount covered only 2.75 and 3 months reserves per guideline required. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 | Waived-Client elects to waive with the following compensating factors:<br> See findings for approval. - Due Diligence Vendor-11/20/2025 | DTI is 34.75%. Maximum allowed per guidelines is 50%.<br> LTV is 54.59%. Maximum allowed per guidelines is 80%.<br> Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 6 months.<br> Residual Income is $5,541.33. Minimum Residual Income required per guidelines is $1800. <br> Job Stability 6+ years, Required is 1 Year |  | Exc Reserves.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852872 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852873 | xxxxxx | C A | Closed | xxxxxx | 2025-10-03 07:44 | 2025-10-14 09:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised LE and COC received. - Due Diligence Vendor-10/14/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <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: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide Revised LE dated on or about xxxxxx with the increase of the Appraisal Fee from $510 to $590 - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025 | Resolved-Resolved. Revised LE and COC received. - Due Diligence Vendor-10/14/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/14/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CC 2.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852873 | xxxxxx | C A | Closed | xxxxxx | 2025-10-03 08:16 | 2025-10-14 08:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Resolved. Updated dwelling coverage from xxxxxx + law and ordnance coverage 25% to xxxxxx - Due Diligence Vendor-10/14/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-10/14/2025 <br> Ready for Review-The law and ordnance coverage shows 25%, meaning dwelling coverage increases by that amount. - Seller-10/13/2025 <br> Open-Hazard Insurance Coverage Amount is xxxxxx and is less than Required Coverage Amount xxxxxx. Provide HOI policy with sufficient dwelling coverage. - Due Diligence Vendor-10/03/2025 | Ready for Review-The law and ordnance coverage shows 25%, meaning dwelling coverage increases by that amount. - Seller-10/13/2025 | Resolved-Resolved. Updated dwelling coverage from xxxxxx + law and ordnance coverage 25% to xxxxxx - Due Diligence Vendor-10/14/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-10/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853384 | xxxxxx | C A | Closed | xxxxxx | 2025-10-10 02:30 | 2025-10-31 08:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. COC provided. Additional fail due to fee increase from $422.00 on LE to $422.40 on CD. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <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)). Required COC for initial CD Discount point Fee. - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 | Resolved-Resolved. COC provided. Additional fail due to fee increase from $422.00 on LE to $422.40 on CD. - Due Diligence Vendor-10/31/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853384 | xxxxxx | C A | Closed | xxxxxx | 2025-10-14 12:52 | 2025-10-31 08:44 | Resolved | 1 - Information C A | Compliance | Compliance | TRID violation; revised Loan Estimate not issued for rate lock. | Resolved-Resolved. LE xxxxxx provided. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Per Rate Lock Confirmation, Rate locked xxxxxx. Per Disclosure Tracking Summary, LE xxxxxx was sent. LE xxxxxx reflecting rate lock and $422.40 Points missing from file. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 | Resolved-Resolved. LE xxxxxx provided. - Due Diligence Vendor-10/31/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

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## Exhibit 99.24

**EXHIBIT 99.24**

**SELENE RATING AGENCY GRADES REPORT**

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody** | **Initial Compliance Loan Grades Moody** | **Initial Property Loan Grades Moody** | **Initial Overall Loan Grades Moody** | **Final Credit Loan Grades Moody** | **Final Compliance Loan Grades Moody** | **Final Property Loan Grades Moody** | **Final Overall Loan Grades Moody** |
| 842344 | xxxxxx |  | xxxxxx D | N/A D C | N/A C D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 843063 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 843760 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 843871 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 845460 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 845866 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846264 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846357 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 846359 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846529 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 846639 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 846744 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 847287 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 847366 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 847619 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 847701 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 847798 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 848168 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848549 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 848952 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848994 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 849077 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849498 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 849704 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 849744 | xxxxxx |  | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 849745 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 849746 | xxxxxx |  | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 849748 | xxxxxx |  | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 849752 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 849754 | xxxxxx |  | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 849755 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 849757 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 849760 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 849765 | xxxxxx |  | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 849767 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 849771 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 849773 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 849776 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 849782 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 849783 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 849784 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 850039 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 850049 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 850652 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 850682 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 850684 | xxxxxx |  | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 850695 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850702 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850705 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850706 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 850711 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 850824 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 851072 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851334 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 851520 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 851539 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851997 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852008 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852010 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 852012 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 852016 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 852017 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 852018 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852020 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 852022 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 852023 | xxxxxx |  | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 852030 | xxxxxx |  | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 852838 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 852845 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852859 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 852870 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852872 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 852873 | xxxxxx |  | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 853384 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |

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## Exhibit 99.25

**EXHIBIT 99.25**

**SELENE DATA COMPARE REPORT**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 842344 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3539.17 | 768.91 | 2nd lien file an escrow waive file and 1st lien P&I amount is $2127.60 and 2nd lien amount is $xxxxxx= total sub property PITI is $2,896.51. |
| 842344 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Tape considered the disbursement date as note date. |
| 842344 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is a wage earner. |
| 843871 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type updated as per appraisal |
| 843871 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | 275.36 | This is DSCR File |
| 846264 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 3 | Prepayment Penalty Type updated Correctly. |
| 846264 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.021 | 1.05 | Received updated worksheet using the lower amount lease of 3,300 DSCR is in line at 1.021 Refer to findings DSCR unknown |
| 848549 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.46 | 39.28 | With in tolerance limit. |
| 848994 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, apprisal. |
| 848994 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5461.97 | 5020.63 | The difference is $xxxxxx. This is because tape data considered tax amount as $xxxxxx whereas true data considered tax amount as $xxxxxx monthly or $xxxxxx annually per tax cert on page # 754. Finding in place for correct tax amount. |
| 848994 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.52 | 41.52 | Audited HTI/ DTI are 19.17 / 39.04 and lender HTI / DTI are 22.89 / 41.52. the differences are 3.72 / 2.48. <br>This is because (1) Lender considered overtime income as 1,825.74 whereas per our calculations it is 1,471.5. (2)1008, final CD shows tax amount as $xxxxxxwhereas tax cert on page #754 shows tax amount as $xxxxxx annually or $xxxxxx monthly. |
| 849748 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property Type is PUD Attached. Updated as Townhouse. |
| 849748 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 38.83 | 38.71 | HTI variance is due to the increase of the HOA from $185 to $193- within 1% tolerance (0.12%) |
| 849748 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.07 | 48.96 | DTI variance is due to the increase of the HOA from $185 to $193- within 1% tolerance (0.11%) |
| 849754 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 740 | 680 | Qualifying FICO score has been updated as per credit report as 740. |
| 849760 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Loan qualifying with No Cash-Out refinance. |
| 849760 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.32 | 36.65 | DTI off by 91.00 for xxxxxx/xxxxxx. Borrower has two accounts. Nothing in file as to one being paid off or proof of payment being paid by another. |
| 849767 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.98 | 22.96 | Updated credit liabilities as per gap report dated xxxxxx. Within 1% tolerance. |
| 849771 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 8.08 | 8.10 | Difference is due to the 1008 having a 6 dollar HOA fee. Notes state that its voluntary. No proof of HOA of 6.00. |
| 849771 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.15 | 8.16 | Difference is due to the 1008 having a 6 dollar HOA fee. Notes state that its voluntary. No proof of HOA of 6.00. |
| 849776 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | 554.35 | DSCR Transaction |
| 849782 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Single Family attached as per the Appraisal. |
| 850039 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | True data is correct, property is an attached PUD, hence selected as townhouse. |
| 850039 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2273.72 | 2208.72 | True data is correct, tape data was not included HOA amount of $65 whereas true data shows PITIA. |
| 850684 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 16.08 | 15.57 | HTI variance is due to P&I iao $5,233.27 on 1008 vs actual P& I on Note iao $5432.85. Within 1% tolerance (0.51%) |
| 850684 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.03 | 24.53 | DTI variance is due to P&I iao $5,233.27 on 1008 vs actual P& I on Note iao $5432.85. Within 1% tolerance (0.51%) |
| 850705 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.718 | Calculated DSCR No confirmed , NON- DSCR File. Locked as Prime 30 year fixd. |
| 850706 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.81 | 6.75 | 1008 reflects Count taxes only. County property taxes are $xxxxxx/ month + City property taxes are iao $xxxxxx/month = $xxxxxx/month. |
| 850706 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.73 | 13.67 | 1008 reflects County Taxes only. County property taxes are $xxxxxx/ month + City property taxes are iao $xxxxxx/month = $xxxxxx/month |
| 850824 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 851072 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date considered per Note document. |
| 851072 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.74 | 41.00 | Qualifying DTI 41.74 per calculation, variance 0.74 less than 1% tolerance. DTI variance due to all other monthly payments between 1008 & CBR. All the payment considered per CBR. |
| 851334 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 674 | 648 | Qualifying FICO on the 1008 Page 609 is 648, but the Qualifying FICO from the Credit Liabilities Page 264,273 is 674. Qualifying FICO entries do not match. difference in FICO not impacting Max LTV. |
| 851334 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date updated as per Note page427. |
| 851520 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Asset utilization no income from employment used |
| 851520 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 15470.34 | 12091.49 | Tape data is the IO figure |
| 852010 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is Two to Four Unit Confirmed from appraisal report. |
| 852010 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 23.95 | 23.94 | Verified HTI is matching, difference in decimal. |
| 852017 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | Prepayment Penalty Total Term 0 Confirmed. |
| 852018 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Updated as per Appraisal document. |
| 852838 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 2 to 4 Units verified from appraisal pg #54 and 1-4 rider is on pg. #1 |
| 852845 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#28 and PUD rider is on pg#476. |
| 852845 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2616.04 | 1708.01 | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts & HOA amount, However file is No Escrows. |
| 852845 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.36 | 35.86 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 37.36% but Originator DTI is 35.86%. Variance is 1.50 due to Missing Evidence of Property Tax Property Tax used for qualification as per 1008 on page#608 & Lender Loan information on page#601annual $xxxxxx($xxxxxx). File is missing evidence to verify this amount. Other evidence in file on page#565 shows the 2024 taxes to be approximately $xxxxxx annual. Provide evidence of the $xxxxxx($xxxxxx) amount. |
| 852873 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date considered from Initial 1003 |

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## Exhibit 99.26

**EXHIBIT 99.26**

**SELENE ATR QM DETAIL**

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| **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?** |
| 842344 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6520.59 | Yes | Employed |  | No |  | No |  |
| 843063 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16474.95 | Yes | Employed |  | No |  | Yes | Present |
| 843760 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 843871 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 845460 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 845866 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 846264 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 846357 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 846359 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 846529 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 846639 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 846744 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847287 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847366 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847619 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64387.25 | Yes | Employed |  | No |  | No |  |
| 847701 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5816.64 | Yes | Employed |  | No |  | No |  |
| 847798 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 848168 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 848549 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23975.8 | Yes | Employed |  | No |  | No |  |
| 848952 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 848994 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13044.99 | Yes | Employed |  | No |  | No |  |
| 849077 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849498 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42987.09 | Yes | Employed |  | No |  | No |  |
| 849704 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849744 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2876.17 | Yes | Employed |  | No |  | No |  |
| 849745 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8419.7 | Yes | Employed |  | No |  | No |  |
| 849746 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7555.86 | Yes | Employed |  | No |  | No |  |
| 849748 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3480.04 | Yes | Employed |  | No |  | No |  |
| 849752 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5694.59 | Yes | Employed |  | No |  | No |  |
| 849754 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6502.81 | Yes | Employed |  | No |  | No |  |
| 849755 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9524.37 | Yes | Employed |  | No |  | No |  |
| 849757 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11169.04 | Yes | Employed |  | No |  | No |  |
| 849760 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8510.69 | Yes | Employed | Not Employed | No | No | No |  |
| 849765 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29583.84 | Yes | Employed |  | No |  | No |  |
| 849767 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8548.16 | Yes | Employed |  | No |  | No |  |
| 849771 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35478.02 | Yes | Employed |  | No |  | No |  |
| 849773 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849776 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 849782 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4333.14 | Yes | Employed |  | No |  | No |  |
| 849783 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6318.52 | Yes | Employed |  | No |  | No |  |
| 849784 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 283424.25 | Yes | Employed |  | No |  | No |  |
| 850039 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4392.02 | Yes | Employed |  | No |  | No |  |
| 850049 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850652 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11623.67 | Yes | Employed |  | No |  | No |  |
| 850682 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14706.1 | Yes | Employed |  | No |  | No |  |
| 850684 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29692.41 | Yes | Employed |  | No |  | No |  |
| 850695 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11578.35 | Yes | Employed | Employed | No | No | No |  |
| 850702 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850705 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14478.06 | Yes | Employed |  | No |  | Yes | Present |
| 850706 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30573.14 | Yes | Employed |  | No |  | No |  |
| 850711 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8210.87 | Yes | Employed |  | No |  | No |  |
| 850824 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 142450.06 | Yes | Employed |  | No |  | No |  |
| 851072 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10541.68 | Yes | Employed | Not Employed | No | No | No |  |
| 851334 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2877.38 | Yes | Employed | Retired | No | No | No |  |
| 851520 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62836.77 | Yes | Not Employed |  | No |  | No |  |
| 851539 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62561.47 | Yes | Employed |  | No |  | No |  |
| 851997 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14439.39 | Yes | Employed |  | No |  | No |  |
| 852008 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12047.44 | Yes | Employed |  | No |  | No |  |
| 852010 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19093.06 | Yes | Employed | Not Employed | No | No | No |  |
| 852012 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9040.38 | Yes | Employed |  | No |  | No |  |
| 852016 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5621.61 | Yes | Employed |  | No |  | No |  |
| 852017 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34700.8 | Yes | Employed |  | No |  | No |  |
| 852018 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5875.79 | Yes | Employed |  | No |  | No |  |
| 852020 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4698.39 | Yes | Employed |  | No |  | No |  |
| 852022 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9239.74 | Yes | Employed | Employed | No | No | No |  |
| 852023 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4569.15 | Yes | Employed |  | No |  | No |  |
| 852030 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8361.15 | Yes | Employed | Not Employed | No | No | No |  |
| 852838 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 43446.41 | Yes | Employed |  | No |  | Yes | Present |
| 852845 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5490.34 | Yes | Employed |  | No |  | No |  |
| 852859 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 90128.41 | Yes | Employed |  | No |  | No |  |
| 852870 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5541.33 | Yes | Employed |  | No |  | No |  |
| 852872 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12543.31 | Yes | Employed |  | No |  | No |  |
| 852873 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5814.98 | Yes | Employed | Employed | No | No | No |  |
| 853384 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14658.4 | Yes | Employed | Not Employed | No | No | No |  |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**SELENE VALUATIONS REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary 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** |
| 842344 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | AVM |  |  | xxxxxx | 19.16 | 88.1 |  |  |  |  | xxxxxx | xxxxxx | .0406 | AVM | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0406 | 96.0 | 0.04 | xxxxxx | xxxxxx | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843063 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.16 | 56.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 843760 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 42.16 | 42.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 08-06-2025 |
| 843871 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845460 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.98 | 74.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 845866 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 846264 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.06 | 63.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846357 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 08-21-2025 |
| 846359 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 846529 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-27-2025 |
| 846639 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 846744 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.57 | 61.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 08-21-2025 |
| 847287 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 09-04-2025 |
| 847366 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-21-2025 |
| 847619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 847701 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-16-2025 |
| 847798 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 848168 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-12-2025 |
| 848549 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.93 | 68.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848952 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 09-12-2025 |
| 848994 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-08-2025 |
| 849077 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.65 | 73.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-05-2025 |
| 849498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-06-2025 |
| 849704 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-26-2025 |
| 849744 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849745 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-17-2025 |
| 849746 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LowRisk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 10-02-2025 |
| 849748 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 849752 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.33 | 53.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 849754 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-05-2025 |
| 849755 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 849757 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 849760 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 849765 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 849767 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 849771 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.63 | 37.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-30-2025 |
| 849773 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 849776 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 849782 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-09-2025 |
| 849783 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 849784 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-29-2025 |
| 850039 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.79 | 89.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850049 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-19-2025 |
| 850652 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-26-2025 |
| 850682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 850684 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0170 | 10-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850695 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-23-2025 |
| 850702 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 850705 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-15-2025 |
| 850706 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850711 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 850824 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851072 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 851334 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 851520 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.14 | 57.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-07-2025 |
| 851539 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 851997 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.96 | 64.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 852008 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0154 | 10-16-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-27-2025 |
| 852010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852012 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 |  |  | .0182 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10/24/2025 |
| 852016 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.9 | 69.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 852017 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852018 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 852020 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 852022 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 852023 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-27-2025 |
| 852030 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.94 | 68.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-19-2025 |
| 852838 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852845 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852859 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-24-2025 |
| 852870 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.59 | 54.59 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 852872 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.56 | 55.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 852873 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-28-2025 |
| 853384 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-09-2025 |

---

## Exhibit 99.28

**EXHIBIT 99.28**

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

![](tm2534371d1_ex99-28img01.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 43 newly originated residential mortgage loans, in connection with the securitization identified as Verus 2026-1 (the "Securitization"). The review began on March 4, 2025, and concluded on November 5, 2025.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with applicable guidelines

e. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for
rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required
down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

f. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

g. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

h. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

i. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

**Compliance Review**

Digital Risk performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

a. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026,
as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission under
TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments,
the payment schedule, the HOEPA disclosures;

b. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

c. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14 days on
any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

d. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital Risk's review will include a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review will include verifying the appraisal report:

c. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Completed such that the named client on the appraisal report is the lender or a related entity that is
permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains evidence
that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The original appraisal report is made and signed prior to the final approval of the closing of the loan.
Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and
certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation
product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital Risk will review
third-party products in the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. With regard to the use of comparable properties, Digital Risk's review will (a) review the relative
comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties
are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable
properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other aspects of Digital Risk's review include (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which
the valuation was ordered and that if there are negative external factors, there is support in the loan file of the Client's approval
to waive the factor; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating
agency requirements.

d. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work with the client on the next
steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions,
and full appraisals. If the property valuation products included in Digital Risk's review result in a variance of more than 10%
then the client will be notified of such variance.

e. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were documented and that pictures
were provided and were accurate.

f. In addition, Digital Risk will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Total Cash Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.30% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;40 | &nbsp;&nbsp;$12840925.00 | &nbsp;&nbsp;93.02% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;3 | &nbsp;&nbsp;$547642.00 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13388567.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13388567.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13388567.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;42 | &nbsp;&nbsp;$13232567.00 | &nbsp;&nbsp;97.67% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13388567.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;41 | &nbsp;&nbsp;$12996925.00 | &nbsp;&nbsp;95.35% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$391642.00 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13388567.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.29

**EXHIBIT 99.29**

**DIGITAL RISK EXC** **EPTION REPORT**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 833978 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | (Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived)<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>|  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 849886 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | (Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/25/2025 4:14PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 852128 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | (Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (11/14/2025 1:20PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 853164 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853165 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853166 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853167 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853168 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853169 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853170 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- <br>The borrower's name on the Security Instrument cannot be verified with the Title. Title is illegible and vesting cannot be verified.<br>Response 1 (10/21/2025 9:43AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>| (Clear) Title Commitment - Other- <br>The title commitment provided is illegible.<br>Response 1 (10/20/2025 5:17PM)<br> Title Commitment provided. (Resolved)<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 853171 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) DSCR - Program Parameters - Other- <br>Subject property was purchased for xxxxxx which is less than 6 months from Note date xxxxxx. A 6-month lookback is required to determine loan amount per the guidelines. The Executive Approval indicates acquisition cost deemed verified by reviewing current condition in the appraisal and scope of work provided. The file is missing scope of work documentation.<br>Response 1 (10/20/2025 5:15PM)<br> Docs provided to support original acquisition costs and rehab amount that established loan amount provided. (Resolved)<br>| (Open) Appraisal - Value is not supported within 10% of original appraisal amount- <br>The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. Loan file includes a recon that was based off two appraisals, one with a value of xxxxxx and another with a value of xxxxxx. The approval reflects a CDA was completed. The CDA is not in file and the 2nd appraisal with the value of xxxxxx per the recon is missing as well. If the recon was completed using a second appraisal that needs to be provided. If the 2nd appraisal was actually a CDA then the Recon needs to be corrected.<br>Response 1 (10/21/2025 4:36PM)<br> CDA provided that was part of the recon review. Recon supports original appraised value. As this is the 2nd valuation product, per the rating agencies the grade is an xxxxxx. (Waived)<br>|  | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| xxxxxx | 853172 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853173 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- <br>The borrower's name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of xxxxxx, however the mortgage lists xxxxxx. A deed transferring ownership interest from xxxxxx to xxxxxx is required to confirm ownership interest in the new mortgage.<br>Response 1 (10/21/2025 9:22AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Open) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided which did not support appraised value. A reconciliation report was provided of the appraisal & CDA that supported the appraised value. As the Recon was a 2nd valuation product, this is graded as an xxxxxx. (Waived)<br>|  | 3 | 2 | 1 | 1 | 3 | 1 | 2 | 2 C B A |
| xxxxxx | 853174 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853175 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853176 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853177 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853178 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853179 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853180 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853181 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853182 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853183 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853184 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853185 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853186 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853187 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853188 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853189 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853190 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853191 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853192 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853193 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853194 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853195 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853196 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853197 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853198 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853199 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853202 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853203 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853204 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853205 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxxx | 853177 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853177 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853177 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853202 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853202 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853202 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853184 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853184 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853184 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853178 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853178 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853178 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853175 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853175 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853175 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853173 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Security Instrument - Name Discrepancy | xxxxxx | The borrower's name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of xxxxxx, however the mortgage lists xxxxxx. A deed transferring ownership interest from xxxxxx to xxxxxx is required to confirm ownership interest in the new mortgage. | Resolved | Rebuttal 1 (10/21/2025 9:20AM)<br> Quit Claim Deed<br>| Response 1 (10/21/2025 9:22AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 853173 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 853173 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided which did not support appraised value. A reconciliation report was provided of the appraisal & CDA that supported the appraised value. As the Recon was a 2nd valuation product, this is graded as an xxxxxx. (Waived) | Waived |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 853185 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853185 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853185 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853164 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853164 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853164 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853193 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853193 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853193 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853165 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853165 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853165 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853168 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853168 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853168 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853198 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853198 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853198 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853194 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853194 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853194 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853195 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853195 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853195 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853174 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853174 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853174 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853171 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 853171 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Subject property was purchased for xxxxxx which is less than 6 months from Note date xxxxxx. A 6-month lookback is required to determine loan amount per the guidelines. The Executive Approval indicates acquisition cost deemed verified by reviewing current condition in the appraisal and scope of work provided. The file is missing scope of work documentation. | Resolved | Rebuttal 1 (10/20/2025 5:14PM)<br> Docs provided.<br>| Response 1 (10/20/2025 5:15PM)<br> Docs provided to support original acquisition costs and rehab amount that established loan amount provided. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 853171 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | xxxxxx | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. Loan file includes a recon that was based off two appraisals, one with a value of xxxxxx and another with a value of xxxxxx. The approval reflects a CDA was completed. The CDA is not in file and the 2nd appraisal with the value of xxxxxx per the recon is missing as well. If the recon was completed using a second appraisal that needs to be provided. If the 2nd appraisal was actually a CDA then the Recon needs to be corrected. | Waived | Rebuttal 1 (10/20/2025 5:12PM)<br> Docs provided.<br>| Response 1 (10/21/2025 4:36PM)<br> CDA provided that was part of the recon review. Recon supports original appraised value. As this is the 2nd valuation product, per the rating agencies the grade is an xxxxxx. (Waived)<br>|  |  | 3 | 2 | 3 | 2 |
| xxxxxx | 853199 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853199 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853199 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853179 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853179 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853179 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853186 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853186 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853186 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853203 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853203 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853203 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853172 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853172 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853172 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853176 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853176 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853176 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853166 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853166 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853166 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853180 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853180 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853180 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853187 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853187 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853187 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853204 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853204 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853204 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853170 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Security Instrument - Name Discrepancy | xxxxxx | The borrower's name on the Security Instrument cannot be verified with the Title. Title is illegible and vesting cannot be verified. | Resolved | Rebuttal 1 (10/21/2025 9:39AM)<br> Docs uploaded.<br>| Response 1 (10/21/2025 9:43AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 853170 | 2 of 3 | xxxxxx | xxxxxx | Credit | Title Commitment - Other | xxxxxx | The title commitment provided is illegible. | Resolved | Rebuttal 1 (10/20/2025 5:16PM)<br> Doc provided.<br>| Response 1 (10/20/2025 5:17PM)<br> Title Commitment provided. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 853170 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 853181 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853181 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853181 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853188 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853188 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853188 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853182 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853182 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853182 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853169 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853169 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853169 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853189 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853189 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853189 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853183 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853183 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853183 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853167 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853167 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853167 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853205 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853205 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853205 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853197 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853197 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853197 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853196 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853196 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853196 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853190 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853190 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853190 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853191 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853191 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853191 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853192 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853192 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 853192 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 833978 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833978 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833978 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849886 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (09/25/2025 4:10PM)<br> Docs uploaded.<br>| Response 1 (09/25/2025 4:14PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849886 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849886 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 852128 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (11/14/2025 1:17PM)<br> Docs uploaded.<br>| Response 1 (11/14/2025 1:20PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 852128 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 852128 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |

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## Exhibit 99.30

**EXHIBIT 99.30**

**DIGITAL RISK RAT** **ING AGENCY GRADES**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 833978 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 849886 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 852128 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 853164 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853165 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853166 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853167 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853168 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853169 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853170 | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 853171 | xxxxxx | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| xxxxxx | 853172 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853173 | xxxxxx | 3 | 2 | 1 | 1 | 3 | 1 | 2 | 2 C B A |
| xxxxxx | 853174 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853175 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853176 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853177 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853178 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853179 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853180 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853181 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853182 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853183 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853184 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853185 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853186 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853187 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853188 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853189 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853190 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853191 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853192 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853193 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853194 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853195 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853196 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853197 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853198 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853199 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853202 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853203 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853204 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 853205 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

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## Exhibit 99.31

**EXHIBIT 99.31**

**DIGITAL RISK DAT** **A INTEGRITY REPORT**

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| | |
|:---|:---|
| **Report Pulled:** | 12/9/2025 |
| **Loan Count:** | 43 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| xxxxxx | xxxxxx | 833978 | xxxxxx | Originator Back-End DTI | 0 | 30.427 |
| xxxxxx | xxxxxx | 849886 | xxxxxx | Debt Service Coverage Ratio | 1.053 | 1.018 |
| xxxxxx | xxxxxx | 852128 | xxxxxx | Debt Service Coverage Ratio | 0 | 0.692 |
| xxxxxx | xxxxxx | 853176 | xxxxxx | Total Cash Reserves | 2913935.05 | 2933935.05 |
| xxxxxx | xxxxxx | 853186 | xxxxxx | Total Cash Reserves | 40388.92 | 41318.49 |
| xxxxxx | xxxxxx | 853195 | xxxxxx | Total Cash Reserves | 128954.05 | 128031.36 |
| xxxxxx | xxxxxx | 853198 | xxxxxx | Total Cash Reserves | 128389.11 | 181853.18 |

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## Exhibit 99.32

**EXHIBIT 99.32**

**DIGITAL RISK QM** **STATUS REPORT**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **QM Status** | **ATR Status** |
| xxxxxx | 833978 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849886 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 852128 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 853164 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853165 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853166 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853167 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853168 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853169 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853170 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853171 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853172 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853173 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853174 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853175 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853176 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853177 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853178 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853179 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853180 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853181 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853182 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853183 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853184 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853185 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853186 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853187 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853188 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853189 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853190 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853191 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853192 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853193 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853194 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853195 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853196 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853197 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853198 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853199 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853202 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853203 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853204 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 853205 | xxxxxx | QM Exempt | ATR Exempt |

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## Exhibit 99.33

**EXHIBIT 99.33**

**DIGITAL RISK VAL** **UATION REPORT**

Valuation Securitization Report

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 833978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 02/15/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 849886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| xxxxxx | 852128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 853164 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/30/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/22/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 09/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 09/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.587% | xxxxxx |  | 09/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/16/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/23/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -12.281% | xxxxxx |  | 09/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/25/2025 |  |  |  |  |  |
| xxxxxx | 853172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 09/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/22/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -10.112% | xxxxxx |  | 08/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2025 |  |  |  |  |  |
| xxxxxx | 853174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/31/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 09/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 06/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/22/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 09/08/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 09/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/14/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/12/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 09/06/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/16/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 09/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 09/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 09/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853191 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/30/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 09/29/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/15/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 09/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/27/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 09/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/27/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/13/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 10/01/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/28/2025 | xxxxxx |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/09/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 07/14/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.063% | xxxxxx |  | 07/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/05/2025 | xxxxxx |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.488% | xxxxxx |  | 09/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 09/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 853205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 09/23/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.34

**EXHIBIT 99.34**

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT**

![](tm2534371d1_ex99-34img001.jpg)

![](tm2534371d1_ex99-34img002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

Verus 2026-1 Due Diligence Narrative Report Page \| 1 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2534371d1_ex99-34img003.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2534371d1_ex99-34img003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 71 residential loans selected for Verus 2026-1. The loans referenced in this narrative report were reviewed from 7/2025 to 11/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 71 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 60 | 84.51% |
| Retail | 11 | 15.49% |
| **Total** | **71** | **100.00%** |

---

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

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

Verus 2026-1 Due Diligence Narrative Report Page \| 2 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 71 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 71 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Kroll Bond Rating Agency, LLC ("KBRA") and Fitch Ratings, Inc. ("Fitch").

Verus 2026-1 Due Diligence Narrative Report Page \| 3 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

TPR Component Review Scope

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
 Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated
 LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
 the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine whether funds to close and reserves were within Sponsor
 Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR
 Loans- Reviewed lease agreements and third-party market rent
 documents to confirm compliance with Debt-Service-Coverage-Ratio requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by
 the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (71 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU
 Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive
 By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full
 Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Verus 2026-1 Due Diligence Narrative Report Page \| 4 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 compliance with state specific consumer protection laws by testing late charge and prepayment
 penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and
 fees evaluation depending on the loan's undiscounted interest rate in relation to the
 APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

Verus 2026-1 Due Diligence Narrative Report Page \| 5 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook
 County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago
 High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency
 of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
 of insurance payments

Verus 2026-1 Due Diligence Narrative Report Page \| 6 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

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

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

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

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

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

Data Capture

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

Verus 2026-1 Due Diligence Narrative Report Page \| 7 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;26 | &nbsp;&nbsp;63.38% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;85.92% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;84.51% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;92.96% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;90.14% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;26 | &nbsp;&nbsp;63.38% |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;91.55% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;92.96% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;94.37% |
| &nbsp;&nbsp;Prepay Penalty Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;92.96% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;83.10% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;34 | &nbsp;&nbsp;52.11% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |

---

Verus 2026-1 Due Diligence Narrative Report Page \| 8 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (KBRA & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 51 |  | 1 | 12 | **64** |
| **Final** | **B** |  | 4 | 1 | 2 | **7** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **51** | **4** | **2** | **14** | **71** |

---

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

**Initial and Final Credit Component Grade Results (KBRA & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 55 |  |  | 10 | **65** |
| **Final** | B |  | 4 |  | 2 | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **55** | **4** | **0** | **12** | **71** |

---

**Initial and Final Property Valuation Grade Results (KBRA & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 68 |  |  | 2 | **70** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **68** | **1** | **0** | **2** | **71** |

---

Verus 2026-1 Due Diligence Narrative Report Page \| 9 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

**Initial and Final Regulatory Compliance Grade Results (KBRA & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 40 |  | 4 |  | **44** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **40** | **0** | **4** | **0** | **44** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

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

---

Verus 2026-1 Due Diligence Narrative Report Page \| 10 December 26, 2025

![](tm2534371d1_ex99-34img002.jpg)

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted
 any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified
 that approved exceptions included required, documented compensating factors

B. As
 part of the guideline review, Clayton performed a credit analysis during which various documents
 were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform
 Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment
 analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income
 review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed
 by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset
 review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification
 of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit
 Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title
 policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issue was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1
 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

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- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood
 insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life
 of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For
 each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation.
 In lieu of a copy of the mortgage or deed of trust with recording information, a copy of
 the mortgage or deed of trust that is stamped "true and certified copy" by the
 escrow/settlement agent plus recording directions on closing instruction documentation was
 utilized as evidence for recording.

D. For
 each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool
 along with information in the loan file to identify and address any potential misrepresentations
 including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing
 – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

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**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified
 that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 report used standard GSE forms, appropriate to the property type:

FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
 maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos
 of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior
 sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC
 Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility
 assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the
 appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably
 supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete.
 However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness,
 structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed
 for any indication of property or marketability issues. Utilized the following key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria
 – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that
 were designated for Individual and/or Public Assistance due to a federal government disaster
 declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If
 the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton
 will specify whether or not there has been a property inspection since the date listed, the
 latest inspection date, whether or not new damage has been indicated, and the amount of said
 damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The
 individuals performing the aforementioned original appraisal assessment are not persons providing
 valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP")
 or necessarily licensed as appraisers under Federal or State law, and the services being
 performed by such persons do not constitute "appraisal reviews" for purposes
 of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 makes no representation or warranty as to the value of any mortgaged property, notwithstanding
 that Clayton may have reviewed valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not an 'AMC' (appraisal management company) and therefore Clayton does not
 opine on the actual value of the underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
 and therefore Clayton will not have any communication with or responsibility to any individual
 consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear
 Capital "CDA" means a written retrospective analysis of an appraisal
 of residential real property relating to completeness, reasonableness, and relevance. The
 relevant appraisal shall be provided to Clear Capital by Customer. The CDA will
 offer an alternative value, if deemed appropriate, based on the analysis of the competitive
 market as of the effective date of the appraisal provided. The CDA will also
 provide an analysis of the appraisal provided, including supporting narrative
 and data to fully support the CDA value and outline deficiencies within the
 appraisal. The CDA will also contain a Risk Score and Risk Indicators based
 upon the findings of the analysis for the appraisal provided to Clear
 Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
 Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
 completed by a licensed appraiser. The ARR validates subject and comparable data and
 characteristics, confirms the original appraiser's methodologies, credentials, and
 commentary to ensure compliance with regulatory requirements and industry accepted best practices,
 and flags all risk factors while also providing a final value reconciliation used to grade
 the loan.

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1:
 confirm the correct version of the GFE and HUD1 were properly completed under the Regulation
 X Final Rule that became mandatory on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days
 of valid changed circumstance documentation within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms
 on the HUD1 correspond to the actual loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed
 the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement
 Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated
 Business Disclosure: if the loan file indicates the lender or broker referred the borrower
 to a known affiliate, confirm the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership
 Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided
 to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL
 Disclosure: Content of Disclosures – perform an independent recalculation of the finance
 charges and APR to determine whether the amounts disclosed on the final TIL were within allowable
 tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement
 Act for loans applications on or after January 30, 2010. Additional disclosure content with
 a focus on the consistency of the prepayment penalty disclosure and assumption policy with
 the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure
 within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures
 provided at least 3 days prior to consummation for applications received on or after July
 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM
 Disclosure: confirm these disclosures are in the file within 3 days of application, or 3
 days of the borrower discussing ARM programs identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right
 of Rescission – Review the disclosure form type, disclosure timing, disclosed dates,
 other material disclosures, and the loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher
 Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
 requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited
 Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents,
 financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section
 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
 Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014,
 confirm the loan file contains documentation to evidence the lender considered and verified
 the borrower has the ability to repay in accordance with the ATR requirements This included
 identifying whether QM loans met agency exemptions or were underwritten in accordance with
 Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered
 and verified the 8 underwriting factors as required for ATR compliance. This review also
 includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE")
 and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms must contain the required disclaimer ("Your actual rate, payment, and costs could
 be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 LE was delivered or placed in the mail within 3 business days of the broker or lender receiving
 an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 loan does not consummate (Clayton looks to the later of the note date or notary date) until
 the later of seven business days after the LE is delivered or placed in the mail and three
 business days after the CD (or Corrected CD when a new three-day waiting period is triggered)
 is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 a revised LE or CD is provided within three business days of the lender having knowledge
 of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero
 and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If
 a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 number of columns and timing of changes to payments as well as the mortgage insurance drop-off
 match Clayton's calculated payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only
 periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 total of the principal and interest payment, mortgage insurance and escrow amounts add up
 correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When
 applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with date entry requirements (such as when a field, if not applicable, must be present and
 left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization
 of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title
 fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column
 or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination
 Charges on the LE.

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&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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All
 required fields not specifically listed herein are completed or left blank in accordance
 with TRID rules; creditor information, contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For
 areas where multiple options are provided, such as Assumption, Negative Amortization and
 Liability after Foreclosure, only one option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton
 will capture if the borrower waived their waiting period and the sufficiency of the waiver
 under TRID. However, based on past experience with clients, Clayton will also issue an exception
 for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the APR increased or decreased outside of tolerance requiring a new waiting period and whether
 that waiting period was provided. For APR decreases Clayton will look to whether the APR
 decreased due to a reduced finance charge, which will be considered to be within tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the product or a product feature changed which requires a new waiting period and whether
 that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 a prepayment penalty was added requiring a new waiting period and whether that waiting period
 was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected
 CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct numerical errors based on events (such as recording) occurring within
 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision
 and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written
 List of Providers, when there are items in in the Services You Can Shop For category (can
 impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated
 Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the LE in terms of whether fees are within the correct category and loan terms where we
 would need a Note to verify. More detailed testing will occur by comparing the final CD to
 the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence
 and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Contact Information for the lender, broker and settlement agent. Clayton will look
 for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota | |

---

**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| California | Maryland | Rhode Island, including the Providence ordinance |
| Colorado | Massachusetts | South Carolina |
| Connecticut | Nevada | Tennessee |
| District of Columbia | New Jersey | Texas |
| Florida | New Mexico | Utah |
| Georgia | New York | Vermont<br> (High Rate, High Point law) |
| Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| Indiana | Ohio, including<br> Cleveland Heights ordinance | |
| Kentucky | Oklahoma | |

---

Verus 2026-1 Due Diligence Narrative Report Page \| 20 December 26, 2025

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**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto
 Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West
 Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island | |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

Verus 2026-1 Due Diligence Narrative Report Page \| 21 December 26, 2025

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See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

Verus 2026-1 Due Diligence Narrative Report Page \| 22 December 26, 2025

## Exhibit 99.35

**EXHIBIT 99.35**

**CLAYTON CONDITIONS REPORT**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-1** |
| **Start - End Dates:** | **7/25/2025 - 11/14/2025** |
| **Deal Loan Count:** | **71** |

---

---

| | |
|:---|:---|
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *71* |
| ***Loans with Conditions:*** | *20* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 815779 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$129,462.04 or 48.63 months PITI. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 839648 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Application | Waived D B | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing required non immigrant Visa. Borrower's country of origin (xxxxxx) was not on the Visa Waiver Program list. | 8-7-25 Client uploaded passport. 08.12.25 - Acknowledged by client. | 8-8-25 Clayton reviewed passport and file. Foreign National guidelines require both a passport and a nonimmigrant visa. Missing nonimmigrant visa. Clayton deems non-material/non-fatal to lending decision as the nonimmigrant visa is is a recent addition to guidelines and the following compensating factors: 45.42 months cash reserves/6 months required, LTV 63.53/65% maximum and 16 months mortgage history/ 12months required. Non-material Exception remains. 08.12.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 16 months exceeds the required 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.53% LTV per review; 65% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45.42 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years living at primary residence. |
| 843728 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | The final 1003 shows funds of $395,204.41 in a xxxxxx account ending xxxxx. The statements from that account is missing and is required for funds to close and reserves. | (No Data) | xxxxxx Bank Statements provided for cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 843728 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide the title for the subject property in the loan file. The title in file is for a different address. | (No Data) | Title provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 843752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Lease for xxxxxx for xxxxxx reflects the wrong address per appraisal Mixed use spaces are xxxxxx. Clayton deems non-material/non-fatal to lending decision due to Compensating factors: 194.22 months cash reserves/6 required, credit score of 799/ 700 minimum, LTV 70%/max is 75%. | 10-7-25 Client replied: xxxxxx accepts B grade 10.13.2025 - Acknowledged by client. | 10-7-25 Non-material exception remains. 10.13.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $1,581,074.58 or 194.22 months PITI reserves exceed required reserves of ($8,140.77 x 6 = $48,844.62).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 799 exceeds guidelines 700 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%. |
| 843752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines require the use of lower of estimated market rent or lease agreement. File contains leases as follows: xxxxxx $1200 + xxxxxx $1200 (lease has incorrect address at xxxxxx) + xxxxxx SFR $1500 + xxxxxx $950 + xxxxxx $950 + xxxxxx $550. = $6,350.Market rents $3,300 (xxxxxx at 1100 each) + $3250 (SFR) + $5100 (xxxxxx at $1700 each) = $11,650. Clayton deems non-material/non-fatal to lending decision due to all but one lease is on month to month and this is a purchase. Compensating factors include: 194.22 months cash reserves/6 required, credit score of 799/ 700 minimum, LTV 70%/max is 75%. | 10-7-25 Client replied: xxxxxx accepts B grade 10.13.2025 - Acknowledged by client. | 10-7-25 Non-material exception remains. 10.13.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $1,581,074.58 or 194.22 months PITI reserves exceed required reserves of ($8,140.77 x 6 = $48,844.62).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 799 exceeds guidelines 700 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%. |
| 843938 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP2674 | Property Issues Indicated 2 | No | xxxxxx project has 51.8% Mixed use. Guidelines allow up to 50% (Sec 1.9.10). Lender approved exception in file. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 244.63 months cash reserves/6 required, Credit score 732/700 minimum, and 25 years at current residence. | 9-25-25 Client replied: xxxxxx accepts B grade. 09.30.2025 - Acknowledged by client. | 9-26-25 Non-material exception remains. 09.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 25 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 732 > 32 points above guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 244.63 months of reserves exceeds guideline requirements of 6 months. |
| 844250 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 61.07 months of reserves in file. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 665 mid-score per CBR. 660 minimum. |
| 844674 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 767 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10.06 months reserves is above the required 6. |
| 845165 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value. | 9-19-25 Client replied: xxxxxx loan, uploaded broker opinion letter | 9-22-25 Clayton reviewed BPO. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 31.42%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $114,793.21 or 8.62 months PITI reserves exceed guidelines requirement of ($13,316.51 x 6 = $79,899.06).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 exceeds guidelines. 720 minimum for xxxxxx. |
| 845560 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $23,300.83, 20.97 months. 12 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 724 is above the required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR of: 1.9801 (Rent: $2,200/Expenses: $1,111.08) is above the required 1.0. |
| 845565 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23.13 months reserves is above the 6 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 FICO score is above the 700 min.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late pays on credit report |
| 845567 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $334,207.72 or 87.46 months PITI reserves exceed required reserves of ($3,821.14 x 6 = $22,926.84).<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage statements in file reflect no overdue payments or fees indicating a positive mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score of 668 exceeds guideline requirement of 660 for 70 LTV cash out. |
| 846117 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 10 points less than guideline requirement 70%. |
| 846657 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 15 years and 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.52% LTV for Subject Property is below guideline max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 668, 620 required |
| 846660 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 665 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.12%; guidelines allows 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $128,331.87, 56.37 months. 6 months required. |
| 846661 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 789. The guideline minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $154,182.40, 28.64 months. 6 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has 99 months on-time payment history. The guidelines require 12 months. |
| 846662 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.0147%; guidelines allow 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is 89 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 3% of available revolving credit.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 152 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 209 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28.34 months of reserves in file, 6 months required. |
| 846664 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 697 FICO score is above the 620 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.923% LTV is below the 80% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 1.8 months reserves is above the 0 months required. |
| 846665 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 52 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 34.96 months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 mid-score per CBR. |
| 846833 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal dated xxxxxx at xxxxxx.AVM in file is dated prior to appraisal therefore not considered an acceptable updated valuation product. | 9-30-25 Client uploaded CDA. | 9-30-25 Clayton reviewed CDA. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 705 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $143,666.62, 63.38 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 13.87%. |
| 846834 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $70,033.30/44.61 PITIA which is > guideline minimum of 6 months PITIA. |
| 847013 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 70% due to acreage exceeds xxxxxx acres. Subject site is xxxxxx acres. Exception approved to proceed at 75% LTV. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 102.88 months cash reserves/6 required, credit score 707/700 minimum, and mortgage history of 25 months/12 required. | 09.15.2025 - Acknowledged by client. | 09.15.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $562869.30, 102.88 months, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 707 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months reviewed for subject property mtg exceeds the 12 months required |
| 847016 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of789 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of75 is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $98,957.74 or 14.55 months of PITIA. 0 months required. |
| 847017 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of701 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of75 is below the maximum allowable of 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 14% |
| 847018 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $41,886.17/18.5 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years in the same primary residence. |
| 847019 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Application | Waived B | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Visas. xxxxxx citizens. Exception granted by lender 9/8/25. Clayton deems non-material/non-fatal to lending decision as xxxxxx does not require a visa for xxxxxx citizens entering the xxxxxx temporarily for business or for pleasure. Compensating factors: LTV 29.63%/75% max, 11.48 months cash reserves/6 required and 10 years at current residence. | 09.15.2025 - Acknowledged by client. | 09.15.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 29.63%. The guideline maximum is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in their current residence 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $25,141.74, 11.48 months. 6 months reserves required. |
| 847083 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 173 months reserves after closing. |
| 847333 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence. 6 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 154 with 0x30 Mortgage payment history exceeds guidelines exceeds the 12 months required. |
| 847514 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 25 months reserves after closing.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower has 2 open trades and minimal debt and credit usage. |
| 847566 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship declaration on the application. | 9-24-25 Client uploaded 1003. | 9-25-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 728 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 9 years mortgage payment history is above the required 12 months .<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $267,587.82, 71.53 months. 6 months required. |
| 847568 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing signed Guaranty. | 9-12-25 Client replied: Uploaded copy of signed Guaranty | 9-16-25 Clayton reviewed Guaranty. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 665 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 56.24 months reserves are above the 6 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.261% LTV is below the 70% max. |
| 847571 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of805 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of65 is below the maximum allowable of 75% for near xxxxxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48.26 months of reserves in file, 0 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 64 months of 0x30 consumer credit history per CBR. |
| 847623 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $14,675.05, 7.13 months; 6 months required |
| 847624 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below the guideline maximum of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $70,257.34, 27.87 months. 6 months reserves required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 9 years. |
| 847626 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.993 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 774 > 114 points above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 18 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 65 months of 0x30 consumer credit history per CBR. |
| 847629 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $206,019.08, 29.07 months. 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 771. The guideline minimum is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence 24 years. |
| 847630 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.69%; guidelines allow 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $250,593.01, 74.38 months. 6 months required. |
| 847631 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has ben in current residence 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 795. The guideline minimum is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.76% is below the guideline maximum of 85%. |
| 847795 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.20 months piti reserves |
| 847895 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Market rents used for qualifying, guidelines require use of lower of market rents or leases, lease amounts are lower and should be used to qualify. Clayton considers this non material as borrower has 33 months reserves with 9 required, credit score of 700/728, and good credit management skills with minimum use of credit of 3%. | 09.30.2025 - Acknowledged by client. | 09.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of728 is above the required 700 for xxxxxx<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $576,883.93 or 33.13 months of PITIA. 9 months required. |
| 847895 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Need final signed HUD1 settlement statement. | 9-26-25 Client uploaded HUD. | 9-29-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of728 is above the required 700 for xxxxxx<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $576,883.93 or 33.13 months of PITIA. 9 months required. |
| 848068 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $403,907.18 or 84.32 months. 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 739. Guideline minimum is 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has 99+ months on time mortgage payment history. The guidelines require 12 months. |
| 848434 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 is 13 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $106,932.82/65.99 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x72 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 848440 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17 months of reserves in file. 6 months required. |
| 848442 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36.85 months reserves is above the 6 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 5 years of mortgage history is above the required 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 423 months of 0x30 consumer credit history per CBR. |
| 848445 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of765 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of75 is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $77,377.38 or 28.33 months of PITIA. 0 months required. |
| 848570 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $26,235.98 or 6.35 months PITI reserves exceed required reserves of ($4,128.98 x 6 = $24,773.88).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 777 exceeds guidelines.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio of 27.94 reflects a minimal use of credit. |
| 848807 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.814% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 95.13 months reserves is above the required 6. |
| 848810 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is below guideline requirement max of 85.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 749 exceeds guidelines.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio of 6.94 reflects a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $54,017.22 or 43.69 months PITI reserves exceed required reserves of $0.00.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 61 months of 0x30 consumer credit history per CBR. |
| 848811 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are using 0% of the $40,000 revolving credit available.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $150,104.99, 83.24 months. 6 months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 797 exceeds the guideline minimum of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 242 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 182 months of 0x30 mortgage history per CBR. |
| 848814 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% revolving debt utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $100379.57, 33.02 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years residing in current primary |
| 848819 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is using 1% of the revolving credit available.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $5,641.73, 3.28 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 798 exceeds the guideline minimum of 700. |
| 848820 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 662 is 2 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.50%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $199,081.62/125.13 PITIA which is > guideline minimum of 6 months PITIA. |
| 848910 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 (Final and Estimated) | 9.25.2025-Received Final CD | 9.25.2025-exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 Credit score exceeds guidelines of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 209 with 0x30 Mortgage payment history exceeds guidelines of 0x30 for 12 months. |
| 848910 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Business Purpose Cert/Cash out letter. | 9.25.2025-Received cash out purpose letter | 9.25.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 Credit score exceeds guidelines of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 209 with 0x30 Mortgage payment history exceeds guidelines of 0x30 for 12 months. |
| 849402 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $20,946.00 or 7.27 months PITIA. Required Reserves are 4 x $2,880.89 = $10,643.56<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.94% is below DTI 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 721 is above credit score 680 |
| 849559 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years 11 months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 10 points above guideline minimum |
| 849562 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 Credit score exceeds guidelines of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years, 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $90,143.80 or 14 months PITIA. No reserves required for loan amount <$1.5 million. |
| 849795 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | C | A D | C | A D | C | A D | C | A D | C | A | Compliance | RESPA | Satisfied C A | CMPRESPA3008 | RESPA - HUD1 Settlement Statement not completed in Accordance with RESPA requirements | No | NEW-Received CD, missing borrowers signature, CD is not signed or certified as a final CD. | 10.23.2025-Received Borrower signed final CD | 10.23.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 25 months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 849795 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | C | A D | C | A D | C | A D | C | A D | C | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 (Final and Estimated) | 10.21.2025-received copy of Email chain stating a CD was issued instead of a settlement statement along with a copy of the Estimated CD | 10.21.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 25 months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 849797 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | C | A D | C | A D | C | A D | C | A D | C | A | Compliance | RESPA | Satisfied C A | CMPRESPA3008 | RESPA - HUD1 Settlement Statement not completed in Accordance with RESPA requirements | No | NEW-Received CD not signed by borrower at closing, Missing a signed final CD | 10.23.2025-Received final borrower signed CD | 10.23.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has >9.155 months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 30 points below guideline maximum |
| 849797 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | C | A D | C | A D | C | A D | C | A D | C | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 (Final and Estimated) | 10.21.2025-Received estimated CD | 10.21.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has >9.155 months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 30 points below guideline maximum |
| 850656 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | The co-borrower is a non-permanent resident alien. The EAD (Form I-766/Form I-76/Form I-797/card) and/or VISA was not provided in the file. | (No Data) | xxxxxx provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 784<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 235 months reserves. |
| 850656 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The addendum to the preliminary title commitment shows proposed loan amount is $xxxxx; however, loan closed with a loan amount of xxxxxx. | (No Data) | Correct addendum to the preliminary title provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 784<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 235 months reserves. |
| 850752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | The lease for the borrowers primary residence xxxxxx for $3470 was not included in the loan file. It is noted that cancelled checks from xxxxxx to xxxxxx were included in the loan file. | Lease not required by guidelines as long as we have a 12 month history | Guidelines do not require a lease. Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 124 months reserves after closing. |
| 850752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The business narrative was not in the loan file. The nature of the business could not be determined by the loan application or tax preparer letter. | (No Data) | Narrative provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 124 months reserves after closing. |
| 850752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The EIN (tax id number) for xxxxxx LLC was not in the loan file . | (No Data) | EIN provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 124 months reserves after closing. |
| 850932 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD xxxxxx. | 10.28.25-Please uploaded in PDF format, unable to open DocX format.10.31.2025 - edisclosure tracking received. | 10.31.2025 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of761 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below the maximum allowable of 90<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $242,520 above the required $161,680 down payment for a total down payment of $404,200.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months (including previous servicers) exceeds the required 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.94%/43% maximum |
| 850932 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD xxxxxx. | 10.28.25-Please uploaded in PDF format, unable to open DocX format.10.31.2025 - edisclosure tracking received. | 10.31.2025 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of761 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below the maximum allowable of 90<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $242,520 above the required $161,680 down payment for a total down payment of $404,200.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months (including previous servicers) exceeds the required 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.94%/43% maximum |
| 850932 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | xxxxxx brokerage account is a joint account with xxxxxx and guidelines require for asset depletion that all individuals listed on the asset account(s) must be on the Note and Mortgage. xxxxxx is not on the note. xxxxxx is on the mortgage. Clayton deems non-material/non-fatal to lending decision due to joint owner being on the mortgage and the following compensating factors: credit score 761/660 minimum, LTV 75%/90% maximum, DTI 39.94%/43% maximum, Borrower contributing an additional $242,520 towards down payment/$161,680 minimum required and 37 months mortgage history/12 required. | 11.03.2025 - Acknowledged by client. | 11.03.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of761 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below the maximum allowable of 90<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $242,520 above the required $161,680 down payment for a total down payment of $404,200.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months (including previous servicers) exceeds the required 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.94%/43% maximum |
| 850933 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.6 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 305 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 63 months of 0x30 mortgage history per CBR. |
| 850934 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.43% and maximum is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 774 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $66,500.78, 14.12 months. 6 months required. |
| 850935 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of700 is above the required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.54 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $191478.57 or 23.83 months of PITIA. 0 months required. |
| 851114 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 13 + years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $76,182.53 or 22 months PITIA exceed guideline 3 months x $5,520.76 = $16,562.28 required reserves. |
| 851302 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 Credit score exceeds guidelines of 680 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $89,935.69 or 11.36 months PITIA exceeds guideline 6 months x $7,913.55 = $47,481.30 required. |
| 851431 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The xxxxxx #xxxxxx is dated xxxxxx and is more than 90 days old at closing, No updated stmt was provided. Funds are used for closing and reserves. | (No Data) | Bank Statement dated 7/2025 - 8/2025 provided to Cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 7 months reserves after closing.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers credit score is 755 and exceeds guide minimum. |
| 851431 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | The borrower has been employed with her current employer xxxxxx since xxxxxx as a xxxxxx. The reviewer averaged the income YTD + 1 year for the borrower's most recent earnings. Income is $4016.01. The borrowers previous 2 years income is significantly lower in the same profession. As per guidelines :Defined as annual income that is equal to, greater than, or less than 20% below the prior years income. The income amounts will be averaged. DTI is 98.45% and exceeds guides. | (No Data) | The borrower is now a salaried employee with xxxxxx. As a Salaried employee guidelines allow income to be used and do not need to average. Only average with hourly employee. Borrower just started employment with current employer and using the new salary for qualification. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 7 months reserves after closing.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers credit score is 755 and exceeds guide minimum. |
| 853286 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD. | 10/30/2025 - Inputted Initial CD from Original File | 10/30/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$174,862.61 or 15 months PITIA. Required PITIA reserves are 3 x $11,205.01 = $33,615.03<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 2.83% is below DTI 45% |
| 853286 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. | 10/30/2025 - Inputted Initial CD from Original File | 10/30/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$174,862.61 or 15 months PITIA. Required PITIA reserves are 3 x $11,205.01 = $33,615.03<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 2.83% is below DTI 45% |
| 853287 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Final application not signed. | 10/29/25 Client proved executed Final 1003. | 10/29/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 Credit score exceeds guidelines of 700 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $152,720.16 or 15.61 months PITIA exceeds the guideline 3 months x $9,786.38 = $29,359.14 required. |
| 853288 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV is 5% below guideline maximum 90%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x120 months positive rental payment history.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 20 years. |
| 853289 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$1,180,477.41 or 210 months PITIA. Required PITIA reserves are 3 x $5,600.61 = $16,801.83<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.35% is below DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765 is above 680 |
| 853290 | xxxxxx | xxxxxx | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV 80% is less than guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 714 is greater than guideline minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.73% is less than guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 21.21 months reserves meeting 3 month guideline requirement. |

---

## Exhibit 99.36

**EXHIBIT 99.36**

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-1 |
| **Start - End Dates:** | 7/25/2025 - 11/14/2025 |
| **Deal Loan Count:** | 71 |

---

**Loan Level Tape Compare Upload**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 815779 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 839648 | (No Data) | Total Cash Out | 46645.14 | 46887.06 |
| 843728 | (No Data) | Documentation Type | No Doc | DSCR |
| 843752 | xxxxxx | Cash Reserves | 200794.54 | 1581074.58 |
| 843752 | xxxxxx | Combined LTV | 67.74 | 70.00 |
| 843752 | xxxxxx | Months Reserves | 25.00 | 194.22 |
| 843752 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 843752 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 843752 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 843752 | xxxxxx | Property Type | 5+ Units | Mixed Use |
| 843752 | xxxxxx | Total Cash Out | (1841.49) | 0.00 |
| 843938 | xxxxxx | Cash Reserves | 1504881.25 | 1534399.55 |
| 843938 | xxxxxx | Months Reserves | 231.00 | 244.63 |
| 843938 | xxxxxx | Original Appraisal Date | 05/25/2025 | 05/28/2025 |
| 843938 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 843938 | xxxxxx | Property Type | SFR | High Rise Condo (9+) |
| 843938 | xxxxxx | Total Cash Out | 145883.54 | 0.00 |
| 844250 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 844250 | xxxxxx | Borrower DSCR Percent | 1.0450 | 1.2239 |
| 844250 | xxxxxx | Cash Reserves | 27000.00 | 259470.47 |
| 844250 | xxxxxx | Months Reserves | 66.00 | 61.07 |
| 844674 | (No Data) | Cash Reserves | 76205.41 | 43509.93 |
| 844674 | (No Data) | Months Reserves | 9.00 | 9.18 |
| 844674 | (No Data) | Total Cash Out | 32695.48 | 0.00 |
| 845165 | (No Data) | Original Appraisal Date | 06/16/2025 | 07/29/2025 |
| 845165 | (No Data) | Property Type | Multi-Family | Mixed Use |
| 845165 | (No Data) | Total Cash Out | (14.95) | 0.00 |
| 845565 | (No Data) | Total Cash Out | 40375.55 | 40075.55 |
| 845567 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 846117 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 846657 | xxxxxx | Cash Reserves | 5608.00 | 187754.89 |
| 846657 | xxxxxx | Months Reserves | 67.00 | 67.25 |
| 846657 | xxxxxx | Original Appraisal Date | 08/08/2025 | 08/21/2025 |
| 846657 | xxxxxx | Total Cash Out | 182149.97 | 185380.31 |
| 846660 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 846660 | xxxxxx | Total Cash Out | 128331.87 | 0.00 |
| 846661 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 846661 | (No Data) | Total Cash Out | 152715.95 | 154182.40 |
| 846662 | (No Data) | Combined LTV | 75.00 | 68.01 |
| 846662 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 846662 | (No Data) | Original LTV | 75.00 | 68.01 |
| 846662 | (No Data) | Total Cash Out | 154287.70 | 152715.95 |
| 846664 | xxxxxx | Cash Reserves | 422433.52 | 11954.39 |
| 846664 | xxxxxx | Months Reserves | 127.00 | 1.80 |
| 846664 | xxxxxx | Total Cash Out | 420503.34 | 0.00 |
| 846665 | (No Data) | Total Cash Out | 89360.24 | 184225.50 |
| 846833 | xxxxxx | Cash Reserves | 80462.57 | 143666.62 |
| 846833 | xxxxxx | Months Reserves | 63.00 | 63.38 |
| 846834 | (No Data) | Cash Reserves | 107405.81 | 70033.30 |
| 846834 | (No Data) | Combined LTV | 72.76 | 75.00 |
| 846834 | (No Data) | Months Reserves | 107.00 | 44.61 |
| 846834 | (No Data) | Total Cash Out | 60222.51 | 0.00 |
| 847016 | xxxxxx | Cash Reserves | 141037.00 | 98957.74 |
| 847016 | xxxxxx | Months Reserves | 21.00 | 14.55 |
| 847016 | xxxxxx | Total Cash Out | (433.95) | 0.00 |
| 847017 | xxxxxx | Cash Reserves | 259062.80 | 2041.45 |
| 847017 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847017 | xxxxxx | Months Reserves | 77.00 | 0.30 |
| 847017 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 847017 | xxxxxx | Total Cash Out | 257021.35 | 0.00 |
| 847018 | (No Data) | Cash Reserves | 226373.77 | 41886.17 |
| 847018 | (No Data) | Months Reserves | 179.00 | 18.25 |
| 847018 | (No Data) | Total Cash Out | 184487.60 | 0.00 |
| 847019 | xxxxxx | Cash Reserves | 544488.91 | 25141.74 |
| 847019 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847019 | xxxxxx | Months Reserves | 478.00 | 11.48 |
| 847019 | xxxxxx | Total Cash Out | 502609.36 | 0.00 |
| 847083 | xxxxxx | Documentation Type | No Doc | DSCR |
| 847333 | (No Data) | Debt to Income Ratio (Back) | 103758.1700 | 0.0000 |
| 847333 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 847514 | (No Data) | Amortization Type | Fixed | ARM |
| 847514 | (No Data) | Documentation Type | No Doc | DSCR |
| 847568 | (No Data) | Prepay Penalty Term | 60 | 36 |
| 847571 | xxxxxx | Cash Reserves | 575386.04 | 178826.71 |
| 847571 | xxxxxx | Months Reserves | 201.00 | 48.26 |
| 847571 | xxxxxx | Property Type | SFR | High Rise Condo (9+) |
| 847571 | xxxxxx | Total Cash Out | 168301.46 | 0.00 |
| 847623 | xxxxxx | Cash Reserves | 129396.00 | 14675.05 |
| 847623 | xxxxxx | Months Reserves | 119.00 | 7.13 |
| 847623 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 847623 | xxxxxx | Total Cash Out | 114721.27 | 0.00 |
| 847624 | (No Data) | Cash Reserves | 245578.00 | 70257.34 |
| 847624 | (No Data) | Combined LTV | 56.88 | 60.00 |
| 847624 | (No Data) | Months Reserves | 28.00 | 27.87 |
| 847624 | (No Data) | Total Cash Out | 175320.66 | 0.00 |
| 847626 | xxxxxx | Cash Reserves | 117555.99 | 38093.04 |
| 847626 | xxxxxx | Months Reserves | 83.00 | 15.99 |
| 847626 | xxxxxx | Total Cash Out | 79462.85 | 0.00 |
| 847629 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 847631 | (No Data) | Cash Reserves | 514706.69 | 8256.52 |
| 847631 | (No Data) | Combined LTV | 49.64 | 53.76 |
| 847631 | (No Data) | Months Reserves | 1.00 | 1.92 |
| 847795 | (No Data) | Total Cash Out | 67939.22 | 0.00 |
| 847895 | xxxxxx | Cash Reserves | 1381581.86 | 581776.92 |
| 847895 | xxxxxx | Combined LTV | 67.50 | 70.00 |
| 847895 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847895 | xxxxxx | Months Reserves | 80.00 | 33.41 |
| 847895 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 847895 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 847895 | xxxxxx | Total Cash Out | (4892.99) | 0.00 |
| 848068 | (No Data) | Cash Reserves | 569494.81 | 403907.18 |
| 848068 | (No Data) | Months Reserves | 153.00 | 84.32 |
| 848068 | (No Data) | Next Payment Change Date | xxxxxx | xxxxxx |
| 848068 | (No Data) | Original Appraisal Date | 08/14/2025 | 08/11/2025 |
| 848068 | (No Data) | Property Type | 5+ Units | Mixed Use |
| 848068 | (No Data) | Total Cash Out | 165774.84 | 0.00 |
| 848434 | (No Data) | Number of Units | 2 | 1 |
| 848434 | (No Data) | Property Type | 2 Family | SFR |
| 848440 | (No Data) | Cash Reserves | 687887.18 | 233129.87 |
| 848440 | (No Data) | Combined LTV | 66.88 | 75.00 |
| 848440 | (No Data) | Months Reserves | 18.00 | 17.00 |
| 848440 | (No Data) | Original P&I | 10285.04 | 10279.92 |
| 848440 | (No Data) | Total Cash Out | 446131.73 | 0.00 |
| 848445 | xxxxxx | Cash Reserves | 159877.21 | 73377.38 |
| 848445 | xxxxxx | Months Reserves | 88.00 | 28.33 |
| 848445 | xxxxxx | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 848445 | xxxxxx | Total Cash Out | 67499.83 | 0.00 |
| 848570 | (No Data) | Cash Reserves | 193513.72 | 26235.98 |
| 848570 | (No Data) | Months Reserves | 86.00 | 6.35 |
| 848570 | (No Data) | Original Appraisal Date | 08/01/2025 | 08/29/2025 |
| 848570 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 848570 | (No Data) | Total Cash Out | 163577.67 | 0.00 |
| 848807 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 848807 | (No Data) | Cash Reserves | 92756.00 | 337594.84 |
| 848807 | (No Data) | Credit Report Date | xxxxxx | xxxxxx |
| 848807 | (No Data) | Months Reserves | 88.00 | 95.13 |
| 848807 | (No Data) | Representative Credit Score for Grading | 788 | 799 |
| 848810 | xxxxxx | Cash Reserves | 130226.00 | 54017.22 |
| 848810 | xxxxxx | Months Reserves | 44.00 | 43.69 |
| 848810 | xxxxxx | Total Cash Out | 76208.92 | 0.00 |
| 848811 | xxxxxx | Borrower DSCR Percent | 1.7746 | 1.4308 |
| 848811 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 848811 | xxxxxx | Total Cash Out | 124762.60 | 124837.31 |
| 848819 | (No Data) | Credit Report Date | xxxxxx | xxxxxx |
| 848819 | (No Data) | Total Cash Out | (3547.71) | 3547.71 |
| 848820 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 848820 | xxxxxx | Total Cash Out | 199002.14 | 199081.62 |
| 848910 | xxxxxx | Debt to Income Ratio (Back) | 1713.8800 | 0.0000 |
| 848910 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 849562 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 849562 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 849562 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 849562 | xxxxxx | Property Type | SFR | 3 Family |
| 849795 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 849797 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 850656 | xxxxxx | Documentation Type | Full Doc | Asset Depletion |
| 850656 | xxxxxx | Property Type | SFR | Low Rise Condo (1-4) |
| 850752 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 850752 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 850932 | xxxxxx | Borrower 1 Total Income | 46868.33 | 48113.88 |
| 850932 | xxxxxx | Cash Reserves | 4028792.19 | 0.00 |
| 850932 | xxxxxx | Combined LTV | 72.39 | 75.00 |
| 850932 | xxxxxx | Months Reserves | 322.00 | 0.00 |
| 850932 | xxxxxx | Property Type | SFR | Detached PUD |
| 850932 | xxxxxx | Total Cash Out | 388429.14 | 0.00 |
| 850932 | xxxxxx | Total Monthly Income | 46868.33 | 48113.88 |
| 850933 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 850933 | xxxxxx | Original Appraisal Date | 10/06/2025 | 10/22/2025 |
| 850934 | xxxxxx | Total Cash Out | (1314.52) | 0.00 |
| 850935 | xxxxxx | Cash Reserves | 666478.57 | 191478.57 |
| 850935 | xxxxxx | Combined LTV | 60.67 | 64.54 |
| 850935 | xxxxxx | Months Reserves | 24.00 | 23.83 |
| 850935 | xxxxxx | Total Cash Out | 474500.00 | 0.00 |
| 851114 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851114 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 851302 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851302 | xxxxxx | Number of Units | 1 | 3 |
| 851302 | xxxxxx | Property Type | SFR | 3 Family |
| 851431 | xxxxxx | Combined LTV | 75.00 | 69.59 |
| 851431 | xxxxxx | Documentation Type | No Doc | Full Doc |
| 851431 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 851431 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 851431 | xxxxxx | Original LTV | 75.00 | 69.59 |
| 853288 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 853288 | xxxxxx | Representative Credit Score for Grading | 692 | 722 |
| 853289 | xxxxxx | Occupancy Type | Primary | Second Home |
| 853289 | xxxxxx | Origination Date | xxxxxx | xxxxxx |

---

©2025 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 99.37

**EXHIBIT 99.37**

**CLAYTON NON ATR QM UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-1** |
| **Start - End Dates:** | **7/25/2025 - 11/14/2025** |
| **Deal Loan Count:** | **71** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *71* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 815779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -89799.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1807.00 | 0.6790 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 839648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1145.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1155.00 | No | (No Data) | 1.0080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.875 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5874.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4300.00 | No | (No Data) | 0.75 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | Mixed Use | 7 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8504 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8140.77 | 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 | 11650.00 | No | (No Data) | 1.4311 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 843938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6272.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3850.00 | No | (No Data) | 0.6138 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4248.86 | 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) | Yes | 5200.00 | 1.2239 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4740.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 0.7805 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Mixed Use | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13316.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 14111.00 | No | (No Data) | 1.0597 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1111.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.9801 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) |
| 845565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 3 Family | 3 | 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 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1732.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2775.00 | 1.6014 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) |
| 845567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3821.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4500.00 | 1.1777 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8368.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 8500.00 | 1.0157 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.8311 | No | No | 8.393 | (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) | -2791.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0746 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2276.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0102 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5383.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7320.00 | No | (No Data) | 1.3597 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5389.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7320.00 | No | (No Data) | 1.3582 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6637.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7200.00 | No | (No Data) | 1.0848 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5269.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5600.00 | No | (No Data) | 1.0628 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846833 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2266.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 0.8162 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 846834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.4125 | No | No | 8.753 | (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) | -1569.97 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.1465 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847013 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5471.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5800.00 | No | (No Data) | 1.0601 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6802.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8026.00 | No | (No Data) | 1.1798 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847017 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6708.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6720.00 | No | (No Data) | 1.0017 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847018 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2294.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0895 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847019 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2190.78 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 3955.00 | No | (No Data) | 1.8053 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847083 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3562.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.26 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847333 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4% of Amt Prepd > 20% of OPB if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 3.2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2169.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0142 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.9346 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -18365.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6300.00 | Yes | 5549.00 | 1.19 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3740.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4500.00 | 1.2029 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6249 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1623.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1625.00 | No | (No Data) | 1.0011 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3705.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 0.7556 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 847623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2059.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.2140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2521.31 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3525.00 | No | (No Data) | 1.3981 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2381.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3746.67 | No | (No Data) | 1.5731 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847629 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7086.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 13200.00 | No | (No Data) | 1.8628 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3369.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2840.00 | No | (No Data) | 0.8429 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4296.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8000.00 | No | (No Data) | 1.8620 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3024.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.2563 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 5+ Units | 8 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3957 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17412.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 17600.00 | No | (No Data) | 1.0108 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Mixed Use | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5127 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4790.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5915.00 | No | (No Data) | 1.2348 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5968 | No | No | 11.327 | (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) | -1620.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1320.00 | No | (No Data) | 0.8146 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 848440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13710.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 11640.00 | No | (No Data) | 0.8490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3329.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | Yes | 3583.00 | 1.0762 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2590.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3420.00 | No | (No Data) | 1.3204 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848570 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4128.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4138.00 | No | (No Data) | 1.0022 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3548.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4950.00 | No | (No Data) | 1.3948 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1236.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.8602 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1803.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2580.00 | 1.4308 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3040.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4000.00 | No | (No Data) | 1.3156 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1720.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.0756 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1590.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.4142 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5314.13 | 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 | No | (No Data) | Yes | 2500.00 | 1.4874 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7964 | Yes | Yes | 2.926 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.94 | 35.94 | 35.94 | 35.94 | 35.94 | 35.94 | No | No | (No Data) | 5378.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4739 | No | No | 0.902 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | No | No | (No Data) | 12808.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> P & L - 20 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 8.9372 | No | No | 2.7 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10060.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 8475.00 | 1.3222 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.66 | 0 | 18.66 | 18.66 | 18.66 | (No Data) | (No Data) | (No Data) | 23697.69 | 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 | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.75 | 0 | 18.75 | 18.75 | 18.75 | (No Data) | (No Data) | (No Data) | 23673.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | Not Applicable | (No Data) | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.87 | 45.87 | 0 | 45.87 | 45.87 | 45.87 | No | No | (No Data) | 11591.66 | Yes | 60 | 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) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 3 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 850752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 15.25 | 0 | 15.25 | 15.25 | 15.25 | (No Data) | (No Data) | (No Data) | 72822.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7736 | Yes | Yes | 1.625 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41 | 39.94 | 41 | 39.94 | 39.94 | 39.94 | No | No | (No Data) | 28898.18 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8621 | Yes | Yes | 2.075 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.36 | 30.36 | 30.36 | 30.36 | 30.36 | 30.36 | No | No | (No Data) | 21519.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4118 | Yes | Yes | 1.363 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.43 | 15.06 | 16.43 | 15.06 | 15.06 | 15.06 | Yes | Yes | Yes | 26853.18 | 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) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> P & L Only - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850935 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7332 | Yes | Yes | 2.319 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.29 | 32.99 | 33.29 | 32.99 | 32.99 | 32.99 | No | No | (No Data) | 33831.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851114 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.8749 | Yes | No | 2.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.96 | 0 | 41.96 | 41.96 | 41.96 | (No Data) | (No Data) | (No Data) | 20179.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 21 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | CPA Letter - 36 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term 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 | 6.7500 | No | No | 3.375 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.44 | 0 | 44.44 | 44.44 | 44.44 | (No Data) | (No Data) | (No Data) | 138399.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 21 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | CPA Letter - 24 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851431 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 2.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.05 | 0 | 34.05 | 34.05 | 38.18 | (No Data) | (No Data) | (No Data) | 9311.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | 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 | 9.5738 | Yes | Yes | 2.405 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.82 | 2.83 | 2.82 | 2.83 | 2.83 | 2.83 | No | No | (No Data) | 443695.13 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9461 | Yes | Yes | 0.187 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.22 | 42.22 | 42.22 | 42.22 | 42.22 | 42.22 | No | No | (No Data) | 18490.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0757 | Yes | Yes | 2.381 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.89 | 33.89 | 32.89 | 33.89 | 33.89 | 33.89 | No | No | (No Data) | 18946.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853289 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7087 | Yes | Yes | 0.748 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.75 | 19.35 | 21.75 | 19.35 | 19.35 | 21.03 | No | No | (No Data) | 45419.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption | xxxxxx | 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 | 8.2032 | Yes | Yes | 2.981 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.74 | 19.73 | 19.74 | 19.73 | 19.73 | 19.73 | No | No | (No Data) | 36542.66 | 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) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.38

**EXHIBIT 99.38**

**CLAYTON RATING** **AGENCY GRADES REPORT**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-1** |
| **Start - End Dates:** | **7/25/2025 - 11/14/2025** |
| **Deal Loan Count:** | **71** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *71* |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 815779 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839648 | No | xxxxxx | xxxxxx D B A | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 843728 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 843752 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 843938 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 844250 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 844674 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845165 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 845560 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845565 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845567 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 846117 | No | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |
| 846657 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 846660 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 846661 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 846662 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 846664 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 846665 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 846833 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 846834 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847013 | No | xxxxxx | Not Applicable B | A | A B | A | A B | A | A B | A | A B | A | A |
| 847016 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 847017 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 847018 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847019 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 847083 | No | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |
| 847333 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847514 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847566 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 847568 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 847571 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 847623 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 847624 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847626 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 847629 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847630 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 847631 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847795 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847895 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 848068 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848434 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848440 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848442 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848445 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 848570 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848807 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848810 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 848811 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 848814 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 848819 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848820 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 848910 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 849402 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 849559 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 849562 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 849795 | No | xxxxxx | Not Applicable D | C | A D | C | A D | C | A D | C | A D | C | A |
| 849797 | No | xxxxxx | xxxxxx D A | C | A D | C | A D | C | A D | C | A D | C | A |
| 850656 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 850752 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 850932 | Yes | xxxxxx | xxxxxx C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 850933 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 850934 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 850935 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851114 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851302 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851431 | No | xxxxxx | Not Applicable D | A | A D | A | A D | A | A D | A | A D | A | A |
| 853286 | Yes | xxxxxx | Not Applicable C | C | A C | C | A C | C | A C | C | A C | C | A |
| 853287 | Yes | xxxxxx | Not Applicable D | A | A D | A | A D | A | A D | A | A D | A | A |
| 853288 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 853289 | Yes | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |
| 853290 | Yes | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.39

**EXHIBIT 99.39**

**CLAYTON VALUATIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-1 |
| **Start - End Dates:** | 7/25/2025 - 11/14/2025 |
| **Deal Loan Count:** | 71 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *71* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 815779 | xxxxxx | $0.00 | xxxxxx | 06/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839648 | xxxxxx | $0.00 | xxxxxx | 04/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 843728 | xxxxxx | xxxxxx | xxxxxx | 07/14/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 843752 | xxxxxx | xxxxxx | xxxxxx | 07/07/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 08/08/2025 | xxxxxx | xxxxxx | -4.41% | (No Data) |
| 843938 | xxxxxx | xxxxxx | xxxxxx | 05/28/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 844250 | xxxxxx | $0.00 | xxxxxx | 06/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844674 | xxxxxx | $0.00 | xxxxxx | 05/22/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 845165 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 08/06/2025 | xxxxxx | xxxxxx | 5.13% | (No Data) |
| 845560 | xxxxxx | $0.00 | xxxxxx | 06/30/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 845565 | xxxxxx | $0.00 | xxxxxx | 07/18/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/31/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 845567 | xxxxxx | $0.00 | xxxxxx | 07/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 846117 | xxxxxx | $0.00 | xxxxxx | 07/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 846657 | xxxxxx | $0.00 | xxxxxx | 08/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 08/26/2025 | xxxxxx | xxxxxx | -1.65% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 846660 | xxxxxx | $0.00 | xxxxxx | 08/01/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 846661 | xxxxxx | $0.00 | xxxxxx | 08/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 846662 | xxxxxx | $0.00 | xxxxxx | 08/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 846664 | xxxxxx | xxxxxx | xxxxxx | 08/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 846665 | xxxxxx | $0.00 | xxxxxx | 07/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 846833 | xxxxxx | $0.00 | xxxxxx | 08/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 846834 | xxxxxx | xxxxxx | xxxxxx | 08/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847013 | xxxxxx | $0.00 | xxxxxx | 07/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847016 | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847017 | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847018 | xxxxxx | xxxxxx | xxxxxx | 08/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 847019 | xxxxxx | xxxxxx | xxxxxx | 08/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/18/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 847083 | xxxxxx | xxxxxx | xxxxxx | 07/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 847333 | xxxxxx | $0.00 | xxxxxx | 06/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847514 | xxxxxx | xxxxxx | xxxxxx | 08/26/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847566 | xxxxxx | $0.00 | xxxxxx | 08/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847568 | xxxxxx | $0.00 | xxxxxx | 08/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 847571 | xxxxxx | xxxxxx | xxxxxx | 08/13/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847623 | xxxxxx | xxxxxx | xxxxxx | 08/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 847624 | xxxxxx | xxxxxx | xxxxxx | 08/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847626 | xxxxxx | xxxxxx | xxxxxx | 08/13/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 847629 | xxxxxx | $0.00 | xxxxxx | 08/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847630 | xxxxxx | $0.00 | xxxxxx | 07/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 847631 | xxxxxx | xxxxxx | xxxxxx | 07/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 847795 | xxxxxx | xxxxxx | xxxxxx | 07/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 847895 | xxxxxx | xxxxxx | xxxxxx | 08/27/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 09/02/2025 | xxxxxx | xxxxxx | -2.68% | (No Data) |
| 848068 | xxxxxx | xxxxxx | xxxxxx | 08/11/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 08/28/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 848434 | xxxxxx | $0.00 | xxxxxx | 06/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 848440 | xxxxxx | xxxxxx | xxxxxx | 08/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 848442 | xxxxxx | $0.00 | xxxxxx | 09/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 848445 | xxxxxx | xxxxxx | xxxxxx | 08/22/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 848570 | xxxxxx | xxxxxx | xxxxxx | 08/29/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 09/12/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 848807 | xxxxxx | $0.00 | xxxxxx | 09/04/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 848810 | xxxxxx | xxxxxx | xxxxxx | 08/04/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 848811 | xxxxxx | $0.00 | xxxxxx | 08/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 848814 | xxxxxx | $0.00 | xxxxxx | 07/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 848819 | xxxxxx | $0.00 | xxxxxx | 08/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 848820 | xxxxxx | $0.00 | xxxxxx | 08/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 09/12/2025 | xxxxxx | xxxxxx | -0.73% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 848910 | xxxxxx | $0.00 | xxxxxx | 08/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849402 | xxxxxx | $0.00 | xxxxxx | 10/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849559 | xxxxxx | $0.00 | xxxxxx | 09/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 849562 | xxxxxx | $0.00 | xxxxxx | 08/02/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 849795 | xxxxxx | $0.00 | xxxxxx | 09/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849797 | xxxxxx | $0.00 | xxxxxx | 09/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850656 | xxxxxx | $0.00 | xxxxxx | 09/16/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 850752 | xxxxxx | $0.00 | xxxxxx | 09/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 850932 | xxxxxx | xxxxxx | xxxxxx | 10/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 10/14/2025 | xxxxxx | xxxxxx | -3.36% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 850933 | xxxxxx | $0.00 | xxxxxx | 10/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 850934 | xxxxxx | xxxxxx | xxxxxx | 09/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 850935 | xxxxxx | xxxxxx | xxxxxx | 09/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 851114 | xxxxxx | xxxxxx | xxxxxx | 10/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851302 | xxxxxx | $0.00 | xxxxxx | 10/06/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851431 | xxxxxx | $0.00 | xxxxxx | 09/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 853286 | xxxxxx | xxxxxx | xxxxxx | 07/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 853287 | xxxxxx | xxxxxx | xxxxxx | 09/29/2025 | xxxxxx | 1004 SFR (Mar 05) | 09/17/2025 | xxxxxx | xxxxxx | 2.72% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 853288 | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 853289 | xxxxxx | xxxxxx | xxxxxx | 09/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 12/11/2025 | xxxxxx | xxxxxx | 1.85% | xxxxxx | 97 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 853290 | xxxxxx | xxxxxx | xxxxxx | 09/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

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